<SEC-DOCUMENT>0001104659-25-059104.txt : 20250613
<SEC-HEADER>0001104659-25-059104.hdr.sgml : 20250613
<ACCEPTANCE-DATETIME>20250613060621
ACCESSION NUMBER:		0001104659-25-059104
CONFORMED SUBMISSION TYPE:	S-1/A
PUBLIC DOCUMENT COUNT:		33
FILED AS OF DATE:		20250613
DATE AS OF CHANGE:		20250613

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Jefferson Capital, Inc. / DE
		CENTRAL INDEX KEY:			0002046042
		STANDARD INDUSTRIAL CLASSIFICATION:	SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
		ORGANIZATION NAME:           	02 Finance
		EIN:				331923926
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-1/A
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-287488
		FILM NUMBER:		251044659

	BUSINESS ADDRESS:	
		STREET 1:		600 SOUTH HIGHWAY 169, SUITE 1575
		CITY:			MINNEAPOLIS
		STATE:			MN
		ZIP:			55426
		BUSINESS PHONE:		(320) 229-8505

	MAIL ADDRESS:	
		STREET 1:		600 SOUTH HIGHWAY 169, SUITE 1575
		CITY:			MINNEAPOLIS
		STATE:			MN
		ZIP:			55426
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-1/A
<SEQUENCE>1
<FILENAME>tm2430355-13_s1a.htm
<DESCRIPTION>S-1/A
<TEXT>
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    <title>tm2430355-13_s1a - block - 79.6198267s</title>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <div style="text-align:center; width:541.31pt; line-height:9pt;">
            <font style="letter-spacing:0.44pt;">As filed with the U.S. Securities and Exchange Commission on June 13, 2025.</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
          </div>

        <div style="margin-top:2pt; text-align:right; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.44pt;">Registration No. 333-287488</font>&#8203;</div>
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        <div style="margin-top:3.3pt; text-align:center; width:541.31pt; line-height:16.5pt;font-size:14pt;">
          <font style="text-transform:uppercase;letter-spacing:0.7pt;">UNITED STATES</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.7pt;">SECURITIES AND EXCHANGE COMMISSION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.28pt;"> </font>
        </div>
        <div style="margin-top:0.5pt; text-align:center; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.44pt;">Washington, D.C. 20549 </font>
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        <div style="margin-top:5.923pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 5.92333333333335pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <div style="margin-top:6.3pt; text-align:center; width:541.31pt; line-height:9pt;">
            <font style="letter-spacing:0.44pt;">AMENDMENT NO. 2 TO</font>
          </div>

        <div style="margin-top:2pt; text-align:center; width:541.31pt; line-height:14.5pt;font-size:14pt;">
          <font style="letter-spacing:0.7pt;">FORM S-1</font><font style="font-size:8.8pt;">&#8203;<font style="letter-spacing:0.44pt;"> </font></font>
        </div>
        <div style="margin-top:0.5pt; text-align:center; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.44pt;">REGISTRATION STATEMENT</font>
        </div>
        <div style="margin-top:0.5pt; text-align:center; width:541.31pt; line-height:9pt;font-style:italic;">
          <font style="letter-spacing:0.44pt;">UNDER</font>
          <br >
          <font style="letter-spacing:0.44pt;">THE SECURITIES ACT OF 1933</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <div style="margin-top:5.933pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 5.93333333333331pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:6.29pt; text-align:center; width:541.31pt; line-height:14.5pt;font-size:14pt;">
          <font style="letter-spacing:0.7pt;">Jefferson Capital, Inc.</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.28pt;"> </font>
        </div>
        <div style="margin-top:-1.5pt; text-align:center; width:541.31pt; line-height:8.5pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
          <font style="letter-spacing:-0.032pt;">(Exact name of registrant as specified in its charter)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:541.31pt;">
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          <tr style="line-height:8.97pt;white-space:normal;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.53pt 0pt 1pt 0pt; width:172.44pt;">
              <div style="text-align:center;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
                <font style="letter-spacing:0.45pt;">Delaware</font>
              </div>
              <div style="text-align:center; line-height:8pt;">
                <font style="letter-spacing:-0.032pt;">(State or other jurisdiction of</font>
                <br >
                <font style="letter-spacing:-0.032pt;">incorporation or organization) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:11.53pt 0pt 1pt 0pt; width:172.44pt;">
              <div style="text-align:center;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
                <font style="letter-spacing:0.45pt;">6153</font>
              </div>
              <div style="text-align:center; line-height:8pt;">
                <font style="letter-spacing:-0.032pt;">(Primary Standard Industrial</font>
                <br >
                <font style="letter-spacing:-0.032pt;">Classification Code Number) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:11.53pt 0pt 1pt 0pt; width:172.43pt;">
              <div style="text-align:center;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
                <font style="letter-spacing:0.45pt;">33-1923926</font>
              </div>
              <div style="text-align:center; line-height:8pt;">
                <font style="letter-spacing:-0.032pt;">(I.R.S. Employer</font>
                <br >
                <font style="letter-spacing:-0.032pt;">Identification Number)</font>
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            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="margin-top:8pt; text-align:center; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.44pt;">600 South Highway 169, Suite 1575</font>
          <br >
          <font style="letter-spacing:0.44pt;">Minneapolis, Minnesota 55426</font>
          <br >
          <font style="letter-spacing:0.44pt;">Phone Number: (320) 229-8505</font>
        </div>
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          <font style="letter-spacing:-0.032pt;">(Address, including zip code, and telephone number, including area code, of registrant&#8217;s principal executive offices)</font><font style="font-family:Times New Roman, Times, serif ;font-size:8.8pt;">&#8203;<font style="letter-spacing:0.176pt;"> </font></font>
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        <div style="margin-top:10pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 10pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:6.29pt; text-align:center; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.44pt;">David Burton</font>
          <br >
          <font style="letter-spacing:0.44pt;">Chief Executive Officer</font>
          <br >
          <font style="letter-spacing:0.44pt;">600 South Highway 169, Suite 1575</font>
          <br >
          <font style="letter-spacing:0.44pt;">Minneapolis, Minnesota 55426</font>
          <br >
          <font style="letter-spacing:0.44pt;">Phone Number: (320) 229-8505</font>
        </div>
        <div style="margin-top:0.49pt; text-align:center; width:541.31pt; line-height:8.5pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
          <font style="letter-spacing:-0.032pt;">(Name, address, including zip code, and telephone number, including area code, of agent for service)</font><font style="font-family:Times New Roman, Times, serif ;font-size:8.8pt;">&#8203;<font style="letter-spacing:0.176pt;"> </font></font>
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        <div style="margin-top:10pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 10pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:6.3pt; text-align:center; width:541.31pt; line-height:9pt;font-style:italic;">
          <font style="letter-spacing:0.44pt;">Copies to:</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <table style="width:541.31pt;margin-top:2.5pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
          <tr style="line-height:11.34pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:172.44pt;">
              <div style="text-align:center; line-height:11.35pt;">
                <font style="letter-spacing:0.45pt;">Marc D. Jaffe</font>
                <br >
                <font style="letter-spacing:0.45pt;">Erika Weinberg</font>
                <br >
                <font style="letter-spacing:0.45pt;">Latham &amp; Watkins LLP</font>
                <br >
                <font style="letter-spacing:0.45pt;">1271 Avenue of the Americas</font>
                <br >
                <font style="letter-spacing:0.45pt;">New York, New York 10020</font>
                <br >
                <font style="letter-spacing:0.45pt;">(212) 906-1200</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:172.44pt;">
              <div style="text-align:center; line-height:11.35pt;">
                <font style="letter-spacing:0.45pt;">Matthew Pfohl</font>
                <br >
                <font style="letter-spacing:0.45pt;">Chief Administrative Officer and </font>
                <br >
                <font style="letter-spacing:0.45pt;">General Counsel</font>
                <br >
                <font style="letter-spacing:0.45pt;">Jefferson Capital, Inc.</font>
                <br >
                <font style="letter-spacing:0.45pt;">600 South Highway 169, Suite 1575</font>
                <br >
                <font style="letter-spacing:0.45pt;">Minneapolis, Minnesota 55426</font>
                <br >
                <font style="letter-spacing:0.45pt;">(320) 229-8505</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:172.43pt;">
              <div style="text-align:center; line-height:11.35pt;">
                <font style="letter-spacing:0.45pt;">Alexander D. Lynch</font>
                <br >
                <font style="letter-spacing:0.45pt;">Michael Stein</font>
                <br >
                <font style="letter-spacing:0.45pt;">Weil, Gotshal &amp; Manges LLP</font>
                <br >
                <font style="letter-spacing:0.45pt;">767 Fifth Avenue</font>
                <br >
                <font style="letter-spacing:0.45pt;">New York, New York 10153</font>
                <br >
                <font style="letter-spacing:0.45pt;">(212) 310-8000</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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        <div style="margin-top:7.81pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="text-indent:20pt; margin-top:8.3pt; width:541.31pt; line-height:9pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
          <font style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.44pt;">Approximate date of commencement of proposed sale to public:</font><font style="letter-spacing:-0.035pt;"> As soon as practicable after this Registration Statement is declared effective.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:2pt; width:541.31pt; line-height:9pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.035pt;">If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule&#160;415 under the Securities Act of 1933, check the following box. </font><font style="letter-spacing:-0.334pt;">&#9744;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:2pt; width:541.31pt; line-height:9pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.035pt;">If this Form is filed to register additional securities for an offering pursuant to Rule&#160;462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. </font><font style="letter-spacing:-0.334pt;">&#9744;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:2pt; width:541.31pt; line-height:9pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.035pt;">If this Form is a post-effective amendment filed pursuant to Rule&#160;462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. </font><font style="letter-spacing:-0.334pt;">&#9744;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:2pt; width:541.31pt; line-height:9pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.035pt;">If this Form is a post-effective amendment filed pursuant to Rule&#160;462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. </font><font style="letter-spacing:-0.334pt;">&#9744;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:2pt; width:541.31pt; line-height:9pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.035pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule&#160;12b-2 of the Exchange Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
        </div>
        <table style="width:541.31pt;height:33pt;margin-top:2.49000000000001pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
          <tr style="line-height:9pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; width:130.83pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:96pt;white-space:nowrap;">
                <font style="letter-spacing:-0.036pt;">Large accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:96pt;">
                <font style="letter-spacing:-0.342pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:130.83pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:130.83pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; width:130.83pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:-0.036pt;">Accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:120pt;">
                <font style="letter-spacing:-0.342pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:130.83pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:96pt;white-space:nowrap;">
                <font style="letter-spacing:-0.036pt;">Non-accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:96pt;">
                <font style="letter-spacing:-0.342pt;">&#9746; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:130.83pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:130.83pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:130.83pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:-0.036pt;">Smaller reporting company</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:120pt;">
                <font style="letter-spacing:-0.342pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:130.83pt;">&#8203;</td>
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            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:130.83pt;white-space:normal;">
              <div style=" float:left; line-height:9pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:-0.036pt;">Emerging growth company</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:120pt;">
                <font style="letter-spacing:-0.342pt;">&#9746;</font>
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        <div style="text-indent:20pt; margin-top:7pt; width:541.31pt; line-height:9pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.035pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided to Section&#160;7(a)(2)(B) of the Securities Act. </font><font style="letter-spacing:-0.334pt;">&#9744;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.176pt;"> </font>
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        <div style="margin-top:8.933pt; text-align:center; width:541.31pt;">
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        <div style="text-indent:20pt; margin-top:6.3pt; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.44pt;">The Registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section&#160;8(a) of the Securities Act, or until the registration statement shall become effective on such date as the Securities and Exchange Commission (the &#8220;SEC&#8221;), acting pursuant to said Section&#160;8(a), may determine.</font>
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    <div style="position:relative;overflow:hidden;min-height:775.71pt;page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="width:706pt; line-height:9.5pt;color:#F7505F;">
          <font style="letter-spacing:-0.032pt;">The information in this preliminary prospectus is not complete and may be changed. Neither we nor the selling stockholders may sell these securities until the registration statement filed with the Securities and Exchange Commission is effective. This preliminary prospectus is not an offer to sell these securities and it is not soliciting an offer to buy these securities in any state where the offer or sale is not permitted.</font><font style="color:#000000;letter-spacing:-0.304pt;"> </font>
          <br >
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          <div style="text-align:center; width:505.31pt; line-height:9pt;color:#F7505F;">
            <font style="text-transform:uppercase;letter-spacing:-0.304pt;">Subject to Completion, dated June 13, 2025</font><font style="color:#000000;font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
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        <div style="margin-top:3pt; width:505.31pt; line-height:9pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style=" text-decoration:underline #000000 solid;text-transform:uppercase;letter-spacing:0.4pt;">PRELIMINARY PROSPECTUS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
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          <div style="margin-top:3pt; text-align:center; width:505.31pt; line-height:17pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:16pt;">
            <font style="letter-spacing:0.8pt;">10,000,000 Shares</font><font style="font-size:8pt;">&#8203;<font style="letter-spacing:0.4pt;"> </font></font>
          </div>

        <div style="position:relative;margin-top:4pt; text-align:center; width:505.31pt;">
          <img src="lg_jeffersoncapitalreg-4c.jpg" alt="[MISSING IMAGE: lg_jeffersoncapitalreg-4c.jpg]" height="58" width="159" >
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        <div style="margin-top:7pt; text-align:center; width:505.31pt; line-height:17pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:16pt;">
          <font style="letter-spacing:0.8pt;">Jefferson Capital, Inc.</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.32pt;"> </font>
        </div>
        <div style="margin-top:1pt; text-align:center; width:505.31pt; line-height:17pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:16pt;">
          <font style="letter-spacing:0.8pt;">Common Stock</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.32pt;"> </font>
        </div>
        <div style="margin-top:8.167pt; text-align:center; width:505.31pt;">
          <div style="margin-left: 39.314%; margin-right: 39.314%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <div style="margin-top:6pt; width:505.31pt; line-height:9pt;">
            <font style="letter-spacing:-0.032pt;">This is the initial public offering of the common stock of Jefferson Capital, Inc. We are offering </font><font style="letter-spacing:-0.304pt;">625,000 </font><font style="letter-spacing:-0.032pt;">shares of our common stock, and the selling stockholders named in this prospectus are offering </font><font style="letter-spacing:-0.304pt;">9,375,000 </font><font style="letter-spacing:-0.032pt;">shares of our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
          </div>


          <div style="margin-top:3pt; width:505.31pt; line-height:9pt;">
            <font style="letter-spacing:-0.032pt;">We expect the public offering price to be between $</font><font style="letter-spacing:-0.304pt;">15.00 </font><font style="letter-spacing:-0.032pt;">and $</font><font style="letter-spacing:-0.304pt;">17.00 </font><font style="letter-spacing:-0.032pt;">per share. Currently, no public market exists for our common stock. We have applied to list our common stock on the Nasdaq Global Select Market (&#8220;Nasdaq&#8221;) under the symbol &#8220;JCAP.&#8221; This offering is contingent upon final approval of the listing of our common stock on the Nasdaq, which we expect to occur promptly after the date of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
          </div>

        <div style="margin-top:3pt; width:505.31pt; line-height:9pt;">
          <font style="letter-spacing:-0.032pt;">We are an &#8220;emerging growth company&#8221; as defined under the federal securities laws and, as such, have elected to comply with certain reduced public company reporting requirements for this prospectus and future filings. See &#8220;Prospectus Summary</font><font style="letter-spacing:-0.304pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.032pt;">Implications of Being an Emerging Growth Company.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
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        <div style="margin-top:3pt; width:505.31pt; line-height:9pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.4pt;">Investing in our common stock involves risks. See the &#8220;Risk Factors&#8221; section beginning on page <a href="#tRIFA">35</a> of this prospectus for factors you should consider before investing in our common stock.</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
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          <tr style="line-height:8pt;min-height:20.75pt;height:20.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:36pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:337.14pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Per Share </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:36pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:36pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:337.14pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Public offering price </font>
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            <td style="padding:0pt;padding-left:1.26pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:36pt;">&#8203;</td>
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            <td style="padding:0pt; width:36pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:337.14pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Underwriting discounts and commissions</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.26pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:1.26pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:36pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:36pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:337.14pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Proceeds, before expenses, to us </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.26pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:1.26pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:36pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:36pt;">&#8203;</td>
            <td style="border-bottom:0.75pt solid #000000; ;padding:2pt 0pt 12pt 0pt; width:337.14pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Proceeds, before expenses, to the selling stockholders </font>
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            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.26pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:1.26pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:36pt;">&#8203;</td>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:4.5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">See &#8220;Underwriting&#8221; for additional information regarding underwriting compensation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

          <div style="margin-top:3pt; width:505.31pt; line-height:9pt;">
            <font style="letter-spacing:-0.032pt;">At our request, the underwriters have reserved five percent of the shares of common stock to be issued by us and offered by this prospectus for sale, at the initial public offering price, to certain of our directors, officers and employees and friends and family members of certain of our directors, officers and employees. The number of shares of common stock available for sale to the general public will be reduced to the extent these individuals purchase such reserved shares. Any reserved shares that are not so purchased will be offered by the underwriters to the general public on the same basis as the other shares offered by this prospectus. Jefferies LLC will administer our directed share program. See &#8220;Underwriting</font><font style="letter-spacing:-0.304pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.032pt;">Directed Share Program.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
          </div>


          <div style="margin-top:3pt; width:505.31pt; line-height:9pt;">
            <font style="letter-spacing:-0.032pt;">The selling stockholders have granted the underwriters an option for a period of 30&#160;days to purchase up to an additional </font><font style="letter-spacing:-0.304pt;">1,500,000 </font><font style="letter-spacing:-0.032pt;">shares of our common stock at the initial public offering price, less underwriting discounts and commissions. We will not receive any proceeds from the sale of shares of our common stock offered by the selling stockholders, including upon the sale of shares of our common stock by the selling stockholders if the underwriters exercise their option to purchase additional shares of our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
          </div>


          <div style="margin-top:3pt; width:505.31pt; line-height:9pt;">
            <font style="letter-spacing:-0.032pt;">Immediately following this offering, funds controlled by our sponsor, J.C. Flowers &amp; Co. LLC (&#8220;J.C. Flowers&#8221;), will beneficially own shares collectively representing approximately</font><font style="letter-spacing:-0.304pt;"> 68.9</font><font style="letter-spacing:-0.032pt;">% of the voting power of our outstanding shares of common stock (or</font><font style="letter-spacing:-0.304pt;"> 67.5</font><font style="letter-spacing:-0.032pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders). As a result, we expect to be a &#8220;controlled company&#8221; within the meaning of the corporate governance rules of the Nasdaq. As a &#8220;controlled company,&#8221; we are permitted to elect not to comply with certain corporate governance rules of the Nasdaq. See the section titled &#8220;Management</font><font style="letter-spacing:-0.304pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.032pt;">Controlled Company Status.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
          </div>

        <div style="margin-top:3pt; width:505.31pt; line-height:9pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.4pt;">Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
        </div>
        <div style="margin-top:3pt; width:505.31pt; line-height:9pt;">
          <font style="letter-spacing:-0.032pt;">This is a firm commitment underwritten offering. The underwriters expect to deliver shares of our common stock against payment in New York, New York on or about &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.16pt;"> </font>
        </div>
        <div style="margin-top:4.5pt; text-align:center; width:505.31pt;">
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            <td style="padding:11.5pt 0.5pt 1pt 0pt; width:246.65pt;text-align:right;">
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          <font style="letter-spacing:0.4pt;">The date of this prospectus is &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025.</font>
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      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="TOC">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
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          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:70.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
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            <td style="padding:11.5pt 0pt 2.5pt 0pt; width:423pt;">
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              </div>
            </td>
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            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:423pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
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                <font style="letter-spacing:0.4pt;">PAGE </font>
              </div>
            </td>
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          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tPRSU"><font style="letter-spacing:-0.038pt;">Prospectus Summary </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tPRSU">1</a></font> <a href="#tPRSU"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tRIFA"><font style="letter-spacing:-0.038pt;">Risk Factors </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tRIFA">35</a></font> <a href="#tRIFA"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tCNRF"><font style="letter-spacing:-0.038pt;">Cautionary Note Regarding Forward-Looking Statements </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tCNRF">56</a></font> <a href="#tCNRF"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tUOP"><font style="letter-spacing:-0.038pt;">Use of Proceeds </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tUOP">58</a></font> <a href="#tUOP"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
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                <a href="#tDIPO"><font style="letter-spacing:-0.038pt;">Dividend Policy </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tDIPO">59</a></font> <a href="#tDIPO"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
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                <a href="#tCAP"><font style="letter-spacing:-0.038pt;">Capitalization </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tCAP">60</a></font> <a href="#tCAP"></a></td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tTHRE"><font style="letter-spacing:-0.038pt;">The Reorganization </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tTHRE">64</a></font> <a href="#tTHRE"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tMDAA"><font style="letter-spacing:-0.038pt;">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <font style="letter-spacing:-0.361pt;"><a href="#tMDAA">74</a></font> <a href="#tMDAA"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tBUS"><font style="letter-spacing:-0.038pt;">Business </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tBUS">116</a></font> <a href="#tBUS"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
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                <a href="#tMAN"><font style="letter-spacing:-0.038pt;">Management </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tMAN">152</a></font> <a href="#tMAN"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tEXCO"><font style="letter-spacing:-0.038pt;">Executive Compensation </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tEXCO">158</a></font> <a href="#tEXCO"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tCRAR"><font style="letter-spacing:-0.038pt;">Certain Relationships and Related Party Transactions </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tCRAR">170</a></font> <a href="#tCRAR"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tPASS"><font style="letter-spacing:-0.038pt;">Principal and Selling Stockholders </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tPASS">173</a></font> <a href="#tPASS"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tDOCS"><font style="letter-spacing:-0.038pt;">Description of Capital Stock </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tDOCS">175</a></font> <a href="#tDOCS"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tSEFF"><font style="letter-spacing:-0.038pt;">Shares Eligible for Future Sale </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tSEFF">181</a></font> <a href="#tSEFF"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tDOCI"><font style="letter-spacing:-0.038pt;">Description of Certain Indebtedness </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tDOCI">183</a></font> <a href="#tDOCI"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tMUFI"><font style="letter-spacing:-0.038pt;">Material U.S. Federal Income Tax Consequences to Non-U.S. Holders </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tMUFI">187</a></font> <a href="#tMUFI"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tUND"><font style="letter-spacing:-0.038pt;">Underwriting </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tUND">191</a></font> <a href="#tUND"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tLEMA"><font style="letter-spacing:-0.038pt;">Legal Matters </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tLEMA">202</a></font> <a href="#tLEMA"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tEXP"><font style="letter-spacing:-0.038pt;">Experts </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tEXP">203</a></font> <a href="#tEXP"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tWYCF"><font style="letter-spacing:-0.038pt;">Where You Can Find More Information </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tWYCF">204</a></font> <a href="#tWYCF"></a></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:423pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tIND"><font style="letter-spacing:-0.038pt;">Index to Financial Statements </font></a>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tIND">F-1</a></font>
            </td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:13.75pt; text-align:center; width:456pt;">
          <div style="margin-left: 38.158%; margin-right: 38.158%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:13pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Neither we, the selling stockholders, nor the underwriters have authorized anyone to provide any information or to make any representations other than those contained in this prospectus or in any free writing prospectuses we have prepared or that have been prepared on our behalf, or to which we have referred you. We, the selling stockholders and the underwriters take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may give you. This prospectus is an offer to sell only the shares offered by this prospectus, but only under circumstances and in jurisdictions where it is lawful to do so. The information contained in this prospectus is current only as of its date. Our business, financial condition, results of operations and prospects may have changed since that date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;">For investors outside the United States</font><font style="letter-spacing:-0.038pt;">: Neither we, the selling stockholders, nor the underwriters have done anything that would permit this offering or possession or distribution of this prospectus in any jurisdiction where action for that purpose is required, other than in the United States. Persons outside of the United States who come into possession of this prospectus must inform themselves about, and observe any restrictions relating to, the offering of the shares of our common stock and the distribution of this prospectus outside of the United States.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.036pt;">i</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:18pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">MARKET AND INDUSTRY DATA</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The market data and other statistical information used throughout this prospectus are based on independent industry publications, reports by market research firms or other published independent sources. Certain market, ranking and industry data included in this prospectus, including the size of certain markets, our size or position and the positions of our competitors within these markets, and our solutions relative to our competitors, are based on the estimates of our management. These estimates have been derived from our management&#8217;s knowledge and experience in the markets in which we operate, as well as information obtained from surveys, reports by market research firms, trade and business organizations and other contacts in the markets in which we operate. Unless otherwise noted, all of our market share and market position information presented in this prospectus is generally based on a number of sources and factors, including publicly available information about the distressed and insolvent receivables markets and our competitors, the size of our client base and management&#8217;s experience in, and knowledge of, our industry and competitive landscape. In addition, the discussion herein regarding our various markets is based on how we define the markets for our solutions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">This prospectus includes industry data that we obtained from periodic industry publications. Although we believe the market and industry data, forecasts and projections included in this prospectus are reliable, we have not independently verified any data from third-party sources, nor have we ascertained the underlying economic assumptions relied upon therein. Assumptions and estimates of our and our industry&#8217;s future performance are necessarily subject to a high degree of uncertainty and risk due to a variety of factors, including those described in &#8220;Risk Factors.&#8221; These and other factors could cause our future performance to differ materially from our assumptions and estimates. See &#8220;Cautionary Note Regarding Forward-Looking Statements.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The sources of these periodic industry publications are provided below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Federal Reserve Bank of New York, Center for Microeconomic Data, Quarterly Report on Household Debt and Credit, February&#160;2025;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Equifax, U.S. National Consumer Credit Trends Report: Originations, January&#160;2025;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
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          <font style="letter-spacing:-0.038pt;">Transunion Credit Industry Insights Report, Quarterly Overview of Consumer Credit Trends Released by TransUnion Canada, Fourth Quarter 2023;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Transunion Credit Industry Insights Report, Quarterly Overview of Consumer Credit Trends Released by TransUnion Canada, Second Quarter 2024;</font>
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          <font style="letter-spacing:-0.038pt;">Bank of England, Bankstats tables, accessed March&#160;2025;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <font style="letter-spacing:-0.038pt;">Bank of England, LPMBI2O Database, accessed March&#160;2025;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Ofcom, Pricing trends for communications services in the UK, December&#160;2024;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Superintendencia Financiera de Colombia, Evoluci&#243;n cartera de cr&#233;ditos, accessed March&#160;2025. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.036pt;">ii</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">TRADEMARKS AND COPYRIGHTS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We own or have rights to trademarks, service marks or trade names that we use in connection with the operation of our business, including, but not limited to, Jefferson Capital Systems, LLC</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:-0.266pt;">&#174;</font><font style="letter-spacing:-0.038pt;">, CreditLogistics</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:-0.266pt;">&#174;</font><font style="letter-spacing:-0.361pt;">, </font><font style="letter-spacing:-0.038pt;">PrecisionHandler Solution</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:-0.266pt;">&#174;</font><font style="letter-spacing:-0.038pt;">, BankruptcyStream</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:-0.266pt;">&#174;</font><font style="letter-spacing:-0.038pt;">, VeriCredit</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:-0.266pt;">&#174;</font><font style="letter-spacing:-0.038pt;"> and OptimizedOffer Solution</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:-0.266pt;">&#174;</font><font style="letter-spacing:-0.038pt;">. In addition, we have trademark and service mark rights to our names, logos and website names and addresses. Other trademarks, service marks and trade names referred to in this prospectus are the property of their respective owners. Solely for convenience, in some cases, the trademarks, service marks and trade names referred to in this prospectus may appear without the </font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:-0.266pt;">&#174;</font><font style="letter-spacing:-0.038pt;"> symbol and </font><font style="letter-spacing:-0.361pt;">&#8482;</font><font style="letter-spacing:-0.038pt;"> symbol, but such references are not intended to indicate, in any way, that we will not assert, to the fullest extent under applicable law, our rights or the right of the applicable licensor to these trademarks, service marks or trade names.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">BASIS OF PRESENTATION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Organizational Structure</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our business operations have generally been conducted through Jefferson Capital Holdings, LLC and its subsidiaries. JCAP TopCo, LLC is a holding company and the direct parent of Jefferson Capital Holdings, LLC. Jefferson Capital, Inc., the issuer in this offering, was formed in connection with this offering and has not engaged in any business or other activities other than those incidental to its formation, the reorganization transactions described herein and the preparation of this prospectus and the registration statement of which this prospectus forms a part. Following a series of transactions that we will engage in immediately prior to the completion of this offering, which we refer to collectively as the &#8220;Reorganization,&#8221; Jefferson Capital, Inc. will become a holding company with no material assets other than 100% of the equity interests in JCAP TopCo, LLC, which will remain a holding company with no material assets other than 100% of the equity interests in Jefferson Capital Holdings, LLC. Jefferson Capital, Inc. will also succeed to federal net operating losses (&#8220;NOLs&#8221;), state NOLs and tax credit carryforwards under Section 381 of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;) as a result of its acquisition in the Reorganization of certain affiliated corporations that held direct or indirect equity interests in JCAP TopCo, LLC. As indirect parent of Jefferson Capital Holdings, LLC following the Reorganization and this offering, Jefferson Capital, Inc. will operate and control all of the business and affairs, and consolidate the financial results of, Jefferson Capital Holdings, LLC and its subsidiaries. See &#8220;Reorganization&#8221; for a more detailed description of the Reorganization and a chart depicting our corporate structure after giving effect to the Reorganization and this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Except where the context otherwise requires or where otherwise indicated, the terms &#8220;Jefferson Capital,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; &#8220;our company,&#8221; &#8220;Company&#8221; and &#8220;our business&#8221; refer, prior to the Reorganization, to Jefferson Capital Holdings, LLC and its consolidated subsidiaries, and after the Reorganization, to Jefferson Capital, Inc. and its consolidated subsidiaries.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Presentation of Financial Information</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Except where otherwise indicated, the consolidated financial statements and summary historical consolidated financial data included in this prospectus are those of Jefferson Capital Holdings, LLC, as the predecessor of the issuer, and do not give effect to the Reorganization. The consolidated financial statements of Jefferson Capital Holdings, LLC as of and for the&#160;years ended December&#160;31, 2024 and 2023 included in this prospectus have been audited in accordance with the standards of the Public Company Accounting Oversight Board (&#8220;PCAOB&#8221;). The summary consolidated financial data of Jefferson Capital Holdings, LLC as of and for the&#160;years ended December&#160;31, 2022, 2021, 2020 and 2019 have been derived from Jefferson Capital Holdings, LLC&#8217;s consolidated financial statements not included in this prospectus. Additionally, effective January&#160;1, 2022, Jefferson Capital Holdings, LLC prospectively adopted the following accounting standards: (i)&#160;ASU 2016-02, &#8220;Leases (Topic 842) Section&#160;A</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">Leases: Amendments to the FASB Account Standards Codification&#8221; &#8203;(&#8220;ASU 2016-02&#8221;), which generally requires that a lessee should recognize both a liability for future lease payments and a right-of-use asset representing its right to use the underlying asset for the lease term on the balance sheet, and (ii)&#160;ASC 326</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">Financial Instruments</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">Credit Losses (&#8220;ASC 326&#8221;), commonly referred to as the Current Expected Credit Loss (&#8220;CECL&#8221;) standard, which generally requires companies to record a lifetime estimate of expected credit losses upon origination or purchase of a loan held at amortized cost. Due to the difference in standards, the financial data included in this prospectus for the&#160;years ended </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.036pt;">iii</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">December&#160;31, 2024, 2023 and 2022 may not necessarily be comparable to the financial data for the&#160;years ended December&#160;31, 2021, 2020 and 2019.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We acquired Canaccede Financial Group (&#8220;Canaccede&#8221;) in March&#160;2020 (the &#8220;Canaccede Acquisition&#8221;). Our financial results for the&#160;years ended December&#160;31, 2024, 2023, 2022 and 2021 include 12&#160;months of operations of Canaccede, compared to 10&#160;months for the year ended December&#160;31, 2020 and zero&#160;months for the year ended December&#160;31, 2019.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The unaudited pro forma consolidated financial information of Jefferson Capital, Inc. presented in this prospectus has been derived by the application of pro forma adjustments to the historical consolidated financial statements of Jefferson Capital Holdings, LLC included elsewhere in this prospectus. These pro forma adjustments give effect to the Reorganization and the completion of this offering and the application of the net proceeds therefrom as described in the section titled &#8220;Use of Proceeds&#8221;. The unaudited pro forma consolidated balance sheet as of March&#160;31, 2025 assumes these transactions occurred on March&#160;31, 2025. The unaudited pro forma consolidated statements of operations and comprehensive income for the three months ended March&#160;31, 2025 and the year ended December&#160;31, 2024 present the pro forma effect of these transactions as if they occurred on January&#160;1, 2024. See &#8220;Unaudited Pro Forma Consolidated Financial Information&#8221; for a detailed description of the adjustments and assumptions underlying the pro forma consolidated financial information included in this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Unless otherwise indicated, all references to our financial information are to the consolidated financial information of the Jefferson Capital Holdings, LLC, and references to &#8220;dollars&#8221; and &#8220;$&#8221; in this prospectus are to, and amounts are presented in, U.S. dollars.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Certain monetary amounts, percentages and other figures included in this prospectus have been subject to rounding adjustments. Accordingly, figures shown as totals in certain tables or charts and figures expressed as&#160;percentages in the text may not total 100% or, as applicable, when aggregated may not be the arithmetic aggregation of the&#160;percentages that precede them.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">NON-GAAP FINANCIAL MEASURES AND OTHER DATA</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We use adjusted net income and adjusted EBITDA, each of which is a financial measure not calculated in accordance with generally accepted accounting principles in the United States (&#8220;GAAP&#8221;), to supplement our consolidated financial statements, which are presented in accordance with GAAP. Our management believes adjusted net income and adjusted EBITDA help us provide enhanced period-to-period comparability of operations and financial performance and are useful to investors as other companies in our industry report similar financial measures. See &#8220;Prospectus Summary</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Summary Consolidated Financial and Operating Information&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Key Business Metrics and Non-GAAP Financial Measures&#8221; for the definitions of adjusted net income and adjusted EBITDA and related disclosure.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Adjusted net income and adjusted EBITDA have limitations as analytical tools, and you should not consider them in isolation, or as substitutes for analysis of our financial results prepared in accordance with GAAP. Some of these limitations are:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">adjusted net income and adjusted EBITDA do not reflect our future requirements for capital expenditures or contractual commitments;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">adjusted net income and adjusted EBITDA do not reflect changes in, or cash requirements for, our working capital needs;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">adjusted EBITDA does not reflect the interest expense, or the cash requirements necessary to make interest or principal payments, on our debts;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">although depreciation and amortization are non-cash charges, the assets being depreciated and amortized will often have to be replaced in the future, and adjusted EBITDA does not reflect any cash requirements for such replacements; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">other companies in our industry may calculate adjusted net income and adjusted EBITDA differently than we do, limiting their usefulness as comparative measures.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.036pt;">iv</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="width:456pt; line-height:12pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Because of these limitations, adjusted net income and adjusted EBITDA should not be considered as measures of discretionary cash available to us to invest in the growth of our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Throughout this prospectus, we also provide a number of key business metrics used by management and typically used by our competitors in our industry. These and other key business metrics are discussed in more detail in the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Key Business Metrics and Non-GAAP Financial Measures.&#8221;</font><font style="letter-spacing:-0.361pt;"> </font>
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          <font style="letter-spacing:-0.036pt;">v</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">GLOSSARY</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:18pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;buybacks&#8221; refers to the purchase price refunded by the seller due to the return of ineligible or otherwise repurchased accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;cash efficiency ratio&#8221; is defined as (a)&#160;the sum of (i)&#160;collections, (ii)&#160;Servicing revenue, and (iii)&#160;Credit card revenue, minus (b)&#160;total operating expenses, all divided by (c)&#160;the sum of (i)&#160;collections, (ii)&#160;Servicing revenue, and (iii)&#160;Credit card revenue, each for the relevant period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;CFPB&#8221; refers to the Consumer Financial Protection Bureau.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;CMS&#8221; refers to our Compliance Management System. We have developed CMS to ensure compliance with all applicable laws, regulations, and industry best practices.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;collections&#8221; refers to collections on our owned finance receivables portfolios and recoveries on our credit card origination charge-offs.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;collections including servicing&#8221; refers to collections and servicing collections.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;cost-to-collect&#8221; refers to collection related expenses, excluding court costs, depreciation and amortization, professional fees and other expenses not directly related to current period collections, as a&#160;percentage of collections, including servicing collections.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;deployments&#8221; refers to all portfolios purchased in the ordinary course and excludes those added as a result of a business acquisition.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;estimated remaining collections&#8221; or &#8220;ERC&#8221; refers to the undiscounted sum of all future projected collections on our owned finance receivables portfolios.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;forward flow agreements&#8221; refers to contractual agreements to purchase future portfolios on a periodic basis at a pre-determined price where portfolios meet pre-defined portfolio characteristics.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;forward flow sales&#8221; refers to acquisitions through forward flow agreements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;high street banks&#8221; refers to large banking institutions in the United Kingdom that provide retail banking services to consumers and small- and medium-sized businesses.</font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;insolvency&#8221; accounts or portfolios refer to accounts or portfolios of receivables that are in an insolvent status when we purchase them and as such are purchased as a pool of insolvent accounts. These accounts include Consumer Proposals in Canada and bankruptcy accounts in the United States and Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;nonperforming loans&#8221; refers to a portfolio of loans that consist primarily of loans that have been charged-off by the credit originator for accounting purposes, either by reason of excessive delinquency or due to a consumer-initiated insolvency process.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">&#8220;performing loans&#8221; refers to a portfolio of loans that have not been charged-off by the credit originator for accounting purposes, but exhibit a significant level of credit deterioration</font><font style="letter-spacing:-0.361pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;portfolio purchase&#8221; refers to a portfolio purchased or deployed, excluding those added as a result of a business acquisition.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;principal amortization&#8221; refers to collections applied to principal on owned finance receivables.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;purchase price&#8221; refers to the cash paid to a seller to acquire nonperforming loans.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;purchase price multiple&#8221; refers to the total estimated collections on owned finance receivables portfolios, without making any deduction for our cost-to-collect, divided by the purchase price, without factoring in the impact of leverage on the returns achieved.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;recoveries&#8221; refers to collections plus buybacks and other adjustments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;Revolving Credit Facility&#8221; refers to that certain Credit Agreement, dated as of May&#160;21, 2021, by and among CL Holdings, LLC, a Georgia limited liability company, Jefferson Capital Systems, LLC, a Georgia limited liability </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.036pt;">vi</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <div style="width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">company, JC International Acquisition, LLC, a Georgia limited liability company, CFG Canada Funding LLC, a Delaware limited liability company, Citizens Bank, N.A., as administrative agent, and the lenders from time-to-time party thereto, as amended by Amendment No. 1 to the Credit Agreement, dated as of December&#160;28, 2021, Amendment No. 2 to the Credit Agreement, dated as of February&#160;28, 2022, Amendment No. 3 to the Credit Agreement, dated as of April&#160;26, 2023, Amendment No. 4 to the Credit Agreement, dated as of September&#160;29, 2023, Amendment No. 5 to the Credit Agreement, dated as of June&#160;3, 2024, Amendment No. 6 to the Credit Agreement, dated as of November&#160;13, 2024 and as further amended, restated, amended and restated, supplemented or otherwise modified from time to time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;servicing collections&#8221; refers to collection services provided to third-party receivable owners where we receive a fee for the collection of accounts placed with us.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;spot sales&#8221; refers to the sale of receivables in a single purchase transaction.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;ValuTiers&#8221; refers to the Company&#8217;s internally-developed and proprietary account segmentation model used to create homogenous account placements across portfolios to optimize collections and our cost-to-collect.</font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.036pt;">vii</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tPRSU">&#8203;</a>
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            <font style="text-transform:uppercase;letter-spacing:0.5pt;">PROSPECTUS SUMMARY</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:18pt; width:456pt; line-height:12.5pt;font-style:italic;">This summary highlights selected information contained in greater detail elsewhere in this prospectus. This summary is not complete and does not contain all of the information you should consider in making your investment decision. Before investing in our common stock, you should carefully read this entire prospectus. You should carefully consider, among other things, the sections titled &#8220;Risk Factors,&#8221; &#8220;Cautionary Note Regarding Forward-Looking Statements&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; and our consolidated financial statements and the related notes included elsewhere in this prospectus.<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
            <font style="letter-spacing:0.5pt;">Overview</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">We are a leading analytically driven purchaser and manager of charged-off and insolvency consumer accounts with operations primarily in the United States, Canada, the United Kingdom and Latin America. The accounts we purchase are primarily the unpaid obligations of individuals owed to credit grantors, which include banks, non-bank consumer lenders, auto finance companies, utilities and telecom companies. Our core competency is the effective management of the collections function in strict compliance with applicable laws and regulations. We enable our clients to focus their operations on the origination of new loans to new customers and to better serve their active customers, while also enabling consumers to resolve their existing obligations based on their current financial circumstances as they improve their financial health. We purchase nonperforming consumer loans and receivables at a discount to their face value across a broad range of financial assets, including where the account holder has initiated a bankruptcy proceeding, or an equivalent proceeding in Canada or the United Kingdom. We manage the loans and receivables by working with the account holders as they repay their obligations and work toward financial recovery.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The following charts present a breakdown of our investment activity by asset class, by business line and by geography for the year ended December&#160;31, 2024:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">For the&#160;years ended December&#160;31, 2024 and 2023, and the three months ended March 31, 2025, we reported net income of $128.9 million, $111.5&#160;million and $64.2&#160;million, respectively, and $242.1 million, $168.2&#160;million and $92.0&#160;million of adjusted EBITDA, respectively. For additional information regarding adjusted EBITDA, a non-GAAP financial measure, see &#8220;&#8212;&#160;Summary Consolidated Financial and Operating Information</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Key Business Metrics and Non-GAAP Financial Measures&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Adjusted EBITDA.&#8221; The following charts summarize our annual revenue, net operating income, net income and adjusted EBITDA since 2019:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">As of March 31, 2025, we had $2,837.9&#160;million in ERC, up 3.4% compared to December&#160;31, 2024. Over the course of 2025 and 2026, we expect to collect $1,420.1 million, or 50.0% of our total ERC. The following charts present the geographic breakdown of our current ERC as well as the breakdown by year as of March&#160;31, </font><font style="letter-spacing:-0.361pt;">2025:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.028pt;">Note: ERC refers to the undiscounted sum of all future projected collections on our owned finance receivables portfolios. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Estimated Remaining Collections.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We believe we have successfully navigated over 22&#160;years of credit cycle fluctuations, changing market dynamics and evolving regulatory framework. During this time, we grew our collections through a combination of organic growth and the integration of several strategic acquisitions that have provided us with long-term consumer payment performance data in what we believe are attractive markets so we can price and analyze new deployments with confidence. A summary of our annual collections by region in the United States, the United Kingdom, Canada and Latin America is presented in the chart below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">2</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
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            <font style="letter-spacing:-0.028pt;">Collections exclude forward flow purchases that were resold shortly after the purchase thereof and do not reflect typical collection multiples because there is no cost-to-collect for accounts that are resold. Excludes credit card collections from zero basis accounts associated with our Emblem Brand Credit Card and Fidem Finance, Inc.</font>
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            <font style="letter-spacing:-0.038pt;">During these&#160;years, we have utilized our data to deploy capital at what we believe are attractive returns in the United States and the United Kingdom. The platforms we acquired in Canada and Latin America provided us with 10 to 15&#160;years of data and experience deploying in local markets that have helped us scale in these regions with confidence in our underwriting. Beginning in the fourth quarter of 2022, we started to see one of the strongest deployment environments in our history, driven by the U.S. market. A summary of our deployments by region in the United States, the United Kingdom, Canada and Latin America are presented in the chart below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.5pt;">Our Markets</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We operate in four geographic markets that also represent our reportable segments: the United States, where we have over 22&#160;years of debt purchase experience and which represents $2,155.2&#160;million, or 75.9%, of our ERC as of March&#160;31, 2025; Canada, where we entered the market in 2020 through the acquisition of Canaccede, which has operated in Canada for over 16&#160;years, and represents $317.8&#160;million, or 11.2%, of our ERC as of March&#160;31, 2025; the United Kingdom, where we have 15&#160;years of operating experience and which represents $146.4&#160;million, or 5.2%, of our ERC as of March&#160;31, 2025; and Latin America, where we entered the market in 2021 and significantly expanded our presence in 2022 through the acquisition of the assets and certain entities of Refinancia, which has operated in Colombia for over 15&#160;years, and represents $218.5&#160;million, or 7.7%, of our ERC as of March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">United States</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The United States is subject to a complex state, federal and local regulatory framework, which results in the most significant degree of oversight among our respective markets. This has the advantage of creating significant barriers to entry for platforms that lack the best-in-class compliance practices we have developed and employed since our founding. It has also resulted in substantial and ongoing industry consolidation since the CFPB was formed in 2011, a trend that has historically supported our strategic and opportunistic merger and acquisition activity. In addition to rigorous governmental oversight, our clients typically seek to protect their brand equity by imposing stringent onboarding requirements, regular compliance auditing and oversight, and choosing to sell only to debt buyers with the strongest track records for compliance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">In the United States, we primarily focus on acquiring and servicing accounts in consumer asset classes that are large and growing but also underpenetrated by other debt buyers. Examples include consumer installment loans, telecom receivables, auto finance loans, utilities receivables and small balance credit card receivables. We also opportunistically purchase nonperforming prime-originated large-balance credit card receivables, that certain other major debt purchasers in the United States focus primarily on, when we can deploy capital at attractive returns. Through&#160;years of purchasing and servicing of accounts, we have gathered a substantial amount of proprietary consumer data, which enables us to more precisely value these opaque assets, develop unique collections strategies, and engage in more efficient and effective collections activities. Our advantages from proprietary data, compliance track record and operational capabilities, in each of our target asset classes, limit competition and create attractive pricing dynamics. We employ a disciplined approach to determine how to allocate capital and choose to focus on markets where we believe we obtain high risk-adjusted returns.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We estimate the 2024 annual total addressable market (&#8220;TAM&#8221;) for the U.S. market to be approximately $167.8 billion based on the cumulative estimated annual face value of charge-offs for the asset classes listed below, which we have estimated annual face value charged-off based on estimated or reported outstanding balances as of December&#160;31, 2024 and assumed loss rate proxies. We estimate that the TAM for the U.S. market was $115.7&#160;billion in 2019, representing a cumulative 2019 to 2024 growth rate of 45.1%.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:82.36pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.5pt 0pt; width:368.64pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Auto loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,331.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">39.2</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,655.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">46.0</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">17.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="margin-left:9.5pt;">Non-prime</div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">399.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">8.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">33.5</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">429.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">38.2</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">14.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="margin-left:9.5pt;">Prime</div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">931.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.7</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,225.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.8</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">31.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">37.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Personal loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">432.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">14.3</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">554.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">24.5</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">28.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">71.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="margin-left:9.5pt;">Non-prime</div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">155.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">7.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.8</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">188.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">20.3</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">21.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">71.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="margin-left:9.5pt;">Prime</div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">276.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.5</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">365.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.2</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">32.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">70.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:82.36pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Telecom and utilities</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">37.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">9.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.6</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">58.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.0</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">55.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">39.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:82.36pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Student loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(4)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">1,508.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">8.0</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:33pt; text-align:right; white-space:nowrap;">1,615.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">16.9</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">7.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21pt; text-align:right; white-space:nowrap;">112.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>
        </div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">4</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-left:12pt;width:456pt;">
          <table style="width:456pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:82.36pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:136.82pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:136.82pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year Market </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; min-width:85pt;" colspan="10">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:82.36pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:91.21pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:91.21pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:85pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:82.36pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:82.36pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:368.64pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Credit cards</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(5)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">927.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">50.6</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,211.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">75.4</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">30.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">48.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:82.36pt;text-align:left;">
                <div style="margin-left:9.5pt;">Non-prime</div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">188.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">23.7</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">170.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">26.6</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(9.6<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:82.36pt;text-align:left;">
                <div style="margin-left:9.5pt;">Prime</div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">738.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">3.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">26.9</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">1,040.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">4.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">48.8</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">40.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">81.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.083pt 0pt 2.167pt 0pt; width:82.36pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total United </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">States </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">4,235.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">115.7</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">5,093.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">167.8</td>
              <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">20.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:7.18pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">45.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
            </tr>
          </table>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:4.6pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York, Kroll Bond Rating Agency &#8220;U.S. Auto Loan ABS Index.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York, Equifax &#8220;U.S. National Consumer Credit Trends Report: Originations,&#8221; Transunion, Federal Reserve Bank of St. Louis, company filings of personal loan originators.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: The sum or average of the three largest U.S. holders of telecom receivables that publicly report such data. Utilities figures are excluded due to lack of available data.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
            <br >
          </div>
          <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York for the aggregate balances, and company filings of three of the largest holders of student loans in the United States for the average loss ratio.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.09pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(5)</font>
            <br >
          </div>
          <div style=" margin-top:5.09pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York, Equifax &#8220;U.S. National Consumer Credit Trends Report: Originations,&#8221; Transunion, Federal Reserve Bank of St. Louis, FFIEC 041 Call Reports of bank originators of credit cards.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We estimate our share of the U.S. market illustrated above to be approximately 4.1% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, an increase from our estimated share of 2.9% in 2019. We believe our share is considerably larger in telecom than other asset classes. Because the U.S. government does not sell its distressed or insolvent student loan accounts, our share of that market is much smaller. Some of the largest credit card originators in the United States also do not sell their receivables today, so our share of that market is also smaller.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:107.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 Change </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:107.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:107.22pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Auto loans </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.3</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.0</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(28.1<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(1.3<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Personal loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.8</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">283.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">6.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Telecom and utilities</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">21.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.2</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">55.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Student loans </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Credit cards </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">0.9<font style="position:absolute;">%</font></td>
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              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
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              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">1.9</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
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              <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
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              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
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              <td style="padding:0pt;padding-left:11.315pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">331.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
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              <td style="padding:0pt;padding-left:15.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:15pt; text-align:right; white-space:nowrap;">1.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
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              <td style="padding:2.75pt 0pt 3pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total United States </font>
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              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">3.3</td>
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              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.9<font style="position:absolute;">%</font></td>
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              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">6.9</td>
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              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.1<font style="position:absolute;">%</font></td>
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              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">108.9<font style="position:absolute;">%</font></td>
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              <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:15pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
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              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
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            <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(1)</font>
            <br >
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          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Excludes performing assets acquired in the Conn&#8217;s Portfolio Purchase (as defined below) with aggregate face value of $567&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We have grown organically in the United States with collections growing at a 13.9% compound annual growth rate to $420.3 million in 2024 from $219.6&#160;million in 2019.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In addition to the significant market opportunity in nonperforming consumer finance receivables, there is a much larger opportunity in certain segments of performing consumer finance receivables which include higher risk performing loans and loan portfolios in runoff where we have historically deployed capital at attractive returns. We benefited from being able to provide a one-stop liquidity solution to issuers of consumer credit by purchasing both performing and nonperforming finance receivables originated by them.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We have four offices in the United States: Minneapolis, Minnesota, Sartell, Minnesota, Denver, Colorado and San Antonio, Texas. As of March 31, 2025, we had 730.1 full-time equivalents (&#8220;FTE&#8221;) dedicated to our U.S. business, which includes 359.1 FTE in offshore locations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#160;</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">5</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-bottom:41.24pt; margin-left:12pt;width:456pt;">
          <div style="width:456pt; line-height:11.5pt;font-style:italic;">Conn&#8217;s Portfolio Purchase<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>

            <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
              <font style="letter-spacing:-0.038pt;">On October 2, 2024, Jefferson Capital Systems, LLC entered into that certain Asset Purchase Agreement with Conn&#8217;s, Inc. (&#8220;Conn&#8217;s&#8221;), a home goods retailer that sold its goods primarily on credit to a non-prime customer base throughout the Southeastern United States, Conn Appliances, Inc., Conn Credit Corporation, Inc., Conn Credit I, LP, CARF COL LLC, W.S. Badcock LLC and W.S. Badcock Credit LLC</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> pursuant to which we acquired a substantial portfolio of unsecuritized loans and credit card receivables from Conn&#8217;s (the &#8220;Conn&#8217;s Portfolio Purchase&#8221;). The Conn&#8217;s Portfolio Purchase included (i) a personal installment loan portfolio comprising 199,591&#160;accounts with a nominal face value of $428 million (the &#8220;Conn&#8217;s Installment Loan Portfolio&#8221;), (ii) a revolving loan portfolio comprising 85,582 accounts with a nominal face value of $139 million (the revolving period of which was suspended on June 6, 2024) (the &#8220;Badcock Portfolio&#8221;), and (iii) a non-performing loan portfolio comprising 697,936 accounts with a nominal face value of $1.5 billion (the &#8220;NPL Portfolio&#8221; and, collectively with the Conn&#8217;s Installment Loan Portfolio and Badcock Portfolio, the &#8220;Conn&#8217;s Portfolios&#8221;) after Conn&#8217;s had declared bankruptcy in July 2024. Additionally, one of our wholly owned subsidiaries hired 197 of the former FTEs of Conn&#8217;s on December 4, 2024, the day after the Conn&#8217;s Portfolio Purchase closed, to manage and service the Conn&#8217;s Installment Loan Portfolio and the Badcock Portfolio described above through their remaining life and entered into certain vendor contracts to maintain continuity of account servicing. In addition, we were assigned a lease in San Antonio, Texas to ensure that we would have our desired facility in place by the closing of the Conn&#8217;s Portfolio Purchase. We acquired certain intellectual property that would allow us to maintain continuity in servicing but that we do not intend to use beyond the scope of running off the acquired portfolio. We anticipate that our servicing requirements for these portfolios will scale down as the performing portfolios run off, as we do not intend to continue any ongoing originations. In addition, we entered into servicing arrangements pursuant to which we agreed to provide ongoing servicing for certain securitized pools of assets, which are also in the runoff. The Conn&#8217;s Portfolio Purchase closed on December&#160;3, 2024. The net cash paid at closing was approximately $245 million. We funded the purchase price by drawing down on our Revolving Credit Facility to acquire approximately $428&#160;million of the Conn&#8217;s Installment Loan Portfolio, $139&#160;million of the Badcock Portfolio and $1.5&#160;billion in face value of the NPL Portfolio, as of the closing date. We attributed approximately $226 million and $12 million of the purchase price to the performing loans (i.e., the Conn&#8217;s Installment Loan Portfolio and the Badcock Portfolio) and the NPL Portfolio, respectively, which represents approximately 40% and less than 1% of the face value of each portfolio, respectively. While there was significant credit deterioration on much of the assets acquired, the primary source and vast majority of the revenue that we expect to generate from the $226 million in purchase price attributed to the $567 million of performing loans (i.e., $428 million plus $139 million) will be from accretion of the discount generated by the purchase price at 40% of the face value of the loans. With respect to the $341 million discount to face value on the performing loans (i.e., $567 million minus $226 million), we booked a credit mark of $251 million and an interest rate mark of $89 million. As of March 31, 2025, our total ERC includes $304.9&#160;million from the Conn&#8217;s Portfolio Purchase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
            </div>


            <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
              <font style="letter-spacing:-0.038pt;">The Conn&#8217;s Portfolio Purchase leverages our core competency in managing distressed performing accounts with significant credit deterioration and nonperforming accounts. While the majority of the performing accounts were not charged-off, they had elevated credit risk partly due to the closure of the retail stores and the bankruptcy of Conn&#8217;s. In recent periods, we have seen more opportunities, such as the Conn&#8217;s Portfolio Purchase, to acquire large mixed portfolios of performing and nonperforming accounts, and we see that as an attractive area of potential growth for our investment activity going forward.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
            </div>

          <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
          <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The charts below summarize the U.S. portfolio performance since our formation. Between 2003 and 2010, we undertook a cautious approach to invest relatively small amounts as we aggregated data and developed and refined our modeling, pricing and collection strategies. Our growing U.S. collections have supported our overall cash flow profile and stable returns, and our cumulative collections have consistently outperformed the original forecast, demonstrating the accuracy of our modeling and our ability to improve performance over time relative to the capabilities we have at the time of initial portfolio purchases.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
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            <font style="letter-spacing:-0.361pt;">&#160;</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">6</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="margin-top:18pt;margin-bottom:0.379999999999995pt; margin-left:12pt;width:456pt;">
          <div style="position:relative;margin-top:8pt; text-align:center; width:456pt;">
            <img src="bc_ushistorical-4c.jpg" alt="[MISSING IMAGE: bc_ushistorical-4c.jpg]" height="363" width="602" >
          </div>
          <div style="margin-top:6.4pt; width:456pt;">
            <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <div style="margin-top:4.79pt; width:456pt; line-height:8.5pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Note: Vintage data excludes forward flow purchases that were resold shortly after purchase and do not reflect typical collection multiples as there is no cost-to-collect for accounts that were resold. Forward flow purchases that were resold after purchase began in 2005 and ended in 2008.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
            <font style="letter-spacing:0.475pt;">Canada</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We entered the Canadian market through the acquisition of Canaccede in March&#160;2020, and we have maintained the Canaccede brand name for our business in Canada. We are the largest purchaser of nonperforming and insolvent consumer receivables in Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We maintain forward flow agreements with three out of the five largest banks in Canada, and the other two largest banks in Canada do not currently sell their distressed or insolvent accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We estimate the 2024 annual TAM for the Canadian market of approximately $5.1 billion based on the cumulative estimated annual face value of charge-offs the asset classes listed below, which we have estimated based on estimated or reported outstanding balances and the reported balance delinquency rate. We estimate that the TAM for the Canadian market was $3.9&#160;billion in 2019, representing a cumulative 2019 to 2024 growth rate of 29.4%, reflecting modest receivable growth and relatively stable delinquency rates on credit cards due in part to unprecedented government stimulus and support for the consumer that lingered following the COVID-19 pandemic.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:102.17pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.5pt 0pt; min-width:129.28pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.5pt 0pt; min-width:129.28pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year Market </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; min-width:82.69pt;" colspan="10">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:102.17pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt; min-width:90.41pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt; min-width:90.41pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt; min-width:82.69pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:102.17pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.1pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:102.17pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; width:349.65pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.75pt 0pt 0.5pt 0pt; width:102.17pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Auto loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">62.9</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">72.2</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">14.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2pt 0pt 0.5pt 0pt; width:102.17pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Personal loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">29.6</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">39.0</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">31.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">76.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2pt 0pt 0.5pt 0pt; width:102.17pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Telecom and utilities</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(3)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.3</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.1</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">6.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">111.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">45.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2pt 0pt 0.5pt 0pt; width:102.17pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Credit cards</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">62.5</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">79.1</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">26.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">43.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:2pt 0pt 1.25pt 0pt; width:102.17pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Insolvencies</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(4)</font>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">NA</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">NA</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.0</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">NA</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">NA</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.4</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:20.25pt; text-align:right; white-space:nowrap;">NA</td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">18.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.75pt 0pt 2pt 0pt; width:102.17pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total Canada</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(5)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">159.3</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.285pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">3.9</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">199.4</td>
              <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">5.1</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:20.25pt; text-align:right; white-space:nowrap;">25.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:1.765pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt; width:2.1pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">29.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:9.5pt;line-height:9.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
            </tr>
          </table>
          <div style="margin-top:3.4pt; width:456pt; line-height:8pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Note: All figures converted to USD at the exchange rate of $0.69766 per Canadian dollar as of March 20, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
        </div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">7</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-bottom:18.85pt; margin-left:12pt;width:456pt;">
          <div style=" float:left; line-height:8.3pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Statistics Canada for face value figures; includes non-mortgage loans from chartered banks, excluding unincorporated business; excludes non-mortgage loans from non-banks due to lack of asset type breakdown.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: TransUnion for charge-offs figures; reflects 60+ days past due (&#8220;DPD&#8221;) balance delinquency rate for auto loans and personal loans and 90+ DPD for credit cards for Q4 2019 and Q4 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Telecom figures depict total amount of net customer receivables, 60&#160;days past billing date for Bell Canada, Rogers Communications Inc., and TELUS Corporation; utilities figures excluded due to lack of available data.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Government of Canada, 2019 and 2024 Insolvency Statistics in Canada for number of consumer insolvencies; assumes $C15,000 average nonmortgage liabilities per consumer insolvency in 2019 and adjusted for CPI (Source: Statistics Canada for CPI data) to 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(5)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Charge-off ratio for 2019 and 2024 excludes insolvencies.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">We estimate our share of the Canadian market illustrated above to be approximately 24.6% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, or $1.3&#160;billion, after not having any market share in 2019, which was before we entered the Canadian market through the acquisition of Canaccede. Because we are the largest purchaser of nonperforming and insolvent consumer receivables in Canada, the most significant opportunity to increase our market share in Canada is by increasing the proportion of credit grantors who sell their nonperforming and insolvent consumer receivables and by purchasing more in asset classes where we are already a market leader in the United States.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:107.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 Change </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:107.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:107.22pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Auto loans</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">29.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">29.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Personal loans </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Telecom and utilities </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Credit cards </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">61.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">61.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Insolvencies </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">18.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">18.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 3pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total Canada </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">&nbsp;&nbsp;&nbsp;&#8212;</td>
              <td style="padding:0pt;padding-left:7.825pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">1.3</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
            </tr>
          </table>
          <div style="margin-top:4.4pt; width:456pt; line-height:8pt;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">Canaccede historically focused on bank-purchased portfolios, which include credit cards, unsecured personal installment loans and auto deficiencies. Since the acquisition of Canaccede more than four&#160;years ago, we have deployed our analytical framework and proprietary collection strategies to enter the telecom and utilities asset classes and the secured auto asset class. We have significantly broadened Canaccede&#8217;s base of clients to cover four out of the six largest banks in Canada (with the other two major banks currently not selling charged-off accounts), and we have established forward flow agreements with several other major credit originators in Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">We have two offices in Canada: Toronto, Ontario and London, Ontario. As of March&#160;31, 2025, we had 101.8&#160;FTE in Canada, which includes 36.5 FTE in Mumbai, India primarily focused on insolvency processing and IT support.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
          <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The charts below summarize the Canada portfolio performance since the formation of Canaccede in 2008, including results from prior to our acquisition of the business in 2020. The majority of Canadian purchases have been in insolvencies, which have a lower collection multiple, but also meaningfully lower cost-to-collect relative to distressed portfolios, resulting in a similar net return. In 2016, Canaccede entered into a large insolvency forward flow agreement but deployments have declined since, mainly due to a market-wide decline in distressed and insolvent loans. In 2022 and 2023, volumes started to normalize, and Canaccede has added clients and returned to growth in 2024. Our Canadian portfolios have demonstrated consistently strong performance relative to our original forecast, with insolvency purchases generally having a higher level of predictability of collections and a much lower cost-to-collect relative to distressed purchases.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
        </div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">8</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:18pt;min-height:660pt;margin-left:12pt;width:456pt;">
          <div style="position:relative;margin-top:8pt; text-align:center; width:456pt;">
            <img src="bc_canatahistorical-4c.jpg" alt="[MISSING IMAGE: bc_canatahistorical-4c.jpg]" height="342" width="554" >
          </div>
          <div style="margin-top:6pt; width:456pt;">
            <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
          </div>
          <div style="margin-top:12.3pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
            <font style="letter-spacing:0.475pt;">United Kingdom</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Our purchasing activity in the United Kingdom is focused primarily on utilities and telecom accounts as well as installment loans that are principally used to finance point-of-sale purchases. We believe we are the largest purchaser of nonperforming telecom and utilities receivables in the United Kingdom. We have not historically engaged in the larger bank credit card charge-off market, where competition has made available returns unattractive, but we believe there may be an opportunity to grow into this market as over-levered competitors have been under strain and have pulled back. Our platform offers debt purchase through JC International Acquisition, LLC, third-party contingency servicing capabilities through Creditlink Account Recovery Solutions Ltd. (&#8220;CARS&#8221;), consumer reconnection through ResolveCall Ltd. (&#8220;ResolveCall&#8221;) and legal recovery through Moriarty Law Limited (&#8220;Moriarty&#8221;). The majority of our third-party servicing business globally is in the United Kingdom, partly due to the ResolveCall and Moriarty businesses. This full set of capabilities creates a unique proposition for clients who are evaluating different debt recovery strategies and are looking to reduce their vendor footprint.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We estimate the 2024 annual TAM for the U.K. market of $6.8 billion based on the cumulative TAM of the asset classes listed below, which we have estimated based on estimated or reported outstanding balances and the percentage of write-offs. We estimate that the TAM for the U.K. market was $5.8&#160;billion in 2019, representing a cumulative 2019 to 2024 growth rate of 17.5%. </font>
          </div>
        </div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
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      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">9</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
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      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;min-height:660pt;margin-left:12pt;width:456pt;">
          <table style="width:456pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:87.53pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:135.62pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:128.12pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year Market </font>
                </div>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:87.53pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:91.21pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:91.21pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:89.74pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:87.53pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:87.53pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:363.48pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:87.53pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Consumer loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">197.2</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.1</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">209.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">6.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(64.7<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:87.53pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Telecom and utilities</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(2)(3)(4)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.6</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.5</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">189.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:87.53pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Credit cards</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">93.6</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.1</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">93.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">1.6</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:15pt; text-align:right; white-space:nowrap;">(0.6<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">(27.9<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.083pt 0pt 2.167pt 0pt; width:87.53pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total United Kingdom </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">290.8</td>
              <td style="padding:0pt;padding-left:3.75pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">5.8</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">302.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.2<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">6.8</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:15pt; text-align:right; white-space:nowrap;">4.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:10.875pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">17.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
            </tr>
          </table>
          <div style="margin-top:3.2pt; width:456pt; line-height:8pt;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="margin-top:3.7pt; width:456pt; line-height:8pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Note: All figures converted to USD at the exchange rate of $1.2966 per British pound as of March 20, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Bank of England.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Ofcom (Telecom) and Ofgem (Utilities).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Telecom figures reflect total consumer debt in arrears for January&#160;2020 and June&#160;2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Utilities figures reflect total electric &amp; gas customer debt in arrears for Q4 2019 and Q4 2024; excludes water due to lack of available data.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

            <div style="margin-top:8pt; width:456pt; line-height:12pt;">
              <font style="letter-spacing:-0.038pt;">We estimate our share of the U.K. market illustrated above to be approximately 3.9% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, an increase from our estimated share of 2.1% in 2019. We believe we are the market leader in the telecom and utilities market. We currently have a small share of the market for consumer loans or credit cards and believe we have a significant opportunity to grow our purchasing in those markets going forward</font><font style="letter-spacing:-0.361pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
            </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:107.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 Change </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:107.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:107.22pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Consumer loans</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">9.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">250.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">8.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Telecom and utilities </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">6.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">86.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(2.4<font style="position:absolute;">)%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Credit cards </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">0.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:15pt; text-align:right; white-space:nowrap;">0.3<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 3pt 0pt; width:107.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total United Kingdom </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">115.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:15pt; text-align:right; white-space:nowrap;">1.8<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:15.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
            </tr>
          </table>
          <div style="margin-top:3.2pt; width:456pt; line-height:8pt;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We have grown both organically and inorganically, with U.K. collections growing at a 46.2% compound annual growth rate to $39.4 million in 2024 from $5.9&#160;million in 2019. </font>
          </div>
        </div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">10</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-bottom:2.20000000000005pt; margin-left:12pt;width:456pt;">
          <div style="width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">We have three offices in the United Kingdom: London, Paisley and Basingstoke. As of March 31, 2025, we had 308.8 FTE dedicated to our U.K. business, which includes 31.4 FTE in Mumbai, India.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
          <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The charts below summarize the U.K. portfolio performance since our entry in the U.K. market in 2009. Between 2009 and 2018, our purchasing was opportunistic as the competitive environment did not always provide consistent attractive returns. Beginning in 2019, we established our niche in telecom and utilities and point-of-sale installment loans, and we have extended our advantages in these asset classes through our acquisitions of ResolveCall and Moriarty. Our cumulative collections have consistently outperformed the original forecast, demonstrating the accuracy of our modeling and our ability to improve performance over time relative to the capabilities we have on initial forecast.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="position:relative;margin-top:11.7pt; text-align:center; width:456pt;">
            <img src="bc_ukhistorical-4c.jpg" alt="[MISSING IMAGE: bc_ukhistorical-4c.jpg]" height="368" width="602" >
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          <div style="margin-top:7.68pt; width:456pt;">
            <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <div style="margin-top:13.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
            <font style="letter-spacing:0.475pt;">Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">Our principal Latin American markets are currently in Colombia, Peru and the Caribbean, where we have investment activity in the Bahamas, Barbados, Belize, the Dominican Republic, Jamaica, the Republic of Trinidad and Tobago and the Turks and Caicos Islands.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">In December&#160;2022, we acquired the nonperforming loan assets and certain legal entities of Refinancia, a Colombian purchaser and servicer with nonperforming loan purchase data covering approximately $2.0&#160;billion in face value and a track record that extends back over 15&#160;years.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">In 2023, we also entered the Caribbean market by acquiring several legal entities with a back book of defaulted unsecured consumer loans serviced by third-party agencies from Pangea International Group (&#8220;Pangea&#8221;).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">Because of the different national footprints, it is difficult to estimate the addressable markets across the whole of the Latin American region. In Colombia, our largest country exposure in Latin America, we estimate the 2024 annual TAM for the Colombian market of approximately $3.4&#160;billion in estimated annual face value charged-off based on estimated or reported outstanding balances and past due loan book in 2024. We estimate that the TAM for the Colombian market was $1.8 billion in 2019, representing a cumulative 2019 to 2024 growth rate of 88.1%.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
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            <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">11</font>
          <br >
        </div>
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      <hr >
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
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        <div style="margin-top:17.5pt;min-height:660pt;margin-left:12pt;width:456pt;">
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            <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:93.34pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:135.62pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
                </div>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
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              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:122.32pt;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year Market </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
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              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
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                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
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              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:89.74pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
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              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:93.34pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
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              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Off </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
                </div>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
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              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
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              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:93.34pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:357.68pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
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              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 4pt 0pt; width:93.34pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total Colombia</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.65pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">37.7</td>
              <td style="padding:0pt;padding-left:6.65pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.8 </td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">48.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">6.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:13.19pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.4</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.55pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">28.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:9.55pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">88.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
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          <div style="margin-top:4.39pt; width:456pt; line-height:8pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Note: All figures converted to USD at the exchange rate of $0.00024 per Colombian peso as of March 20, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Source: Superintendencia Financiera de Colombia.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
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          <div style=" margin-top:6.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Face value reflects total consumer debt balance (excluding mortgages) and charge-off ratio reflects past due loan book at December&#160;2019 and December&#160;2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <font style="letter-spacing:-0.038pt;">We estimate our share of the Colombian market illustrated above to be approximately 24.5% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, or $0.8&#160;billion, after not having any market share in 2019, which was before we entered the Colombian market. We believe we are now the market leader in the Colombian market. In Colombia, most major credit grantors sell their non-performing accounts. We believe we have a significant opportunity to grow in Latin America by entering and developing the market for purchasing auto loans, telecom receivables or other asset classes, and by entering new Latin American markets going forwards.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:149.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 Change </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:149.22pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
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              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:149.22pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 3pt 0pt; width:149.22pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total Colombia </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
              <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8</td>
              <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
              <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt; width:2.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
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          <div style="margin-top:4.39pt; width:456pt; line-height:8pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <font style="letter-spacing:-0.038pt;">While Latin America is our newest geographic market, we have grown this geographic market rapidly, with Latin America collections growing to $39.0 million in 2024 from $0.8&#160;million in 2021, the year we entered the market.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:11.69pt; width:456pt; line-height:12.5pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <font style="letter-spacing:-0.038pt;">We have one office in Latin America, in Bogot&#225;, Colombia, and run most of our Latin American purchasing and collections through that office. As of March 31, 2025, we had seven FTE in that office that oversee purchasing operations, analytics and management of local third-party servicers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
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        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
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      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-weight:normal;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">12</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
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      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-left:12pt;width:456pt;">
          <div style="width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The charts below summarize the Latin American portfolio performance since our data begins on Refinancia in 2014, including results from prior to our acquisition of its nonperforming loan assets and certain legal entities in 2022 and 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="position:relative;margin-top:10.6pt; text-align:center; width:456pt;">
            <img src="bc_latinamericahistori-4c.jpg" alt="[MISSING IMAGE: bc_latinamericahistori-4c.jpg]" height="358" width="585" >
          </div>
          <div style="margin-top:6.2pt; width:456pt;">
            <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
          </div>
          <div style="margin-top:12.39pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
            <font style="letter-spacing:0.5pt;">Our Role Within the Market</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Our debt purchasing activity plays an important role in the financial ecosystem, providing credit originators with liquidity through the sale of nonperforming consumer receivables. Many of these lenders are focused on originating credit and do not have the capabilities to effectively service underperforming assets. As such, they choose to rely on debt purchasers who possess the compliance track record, internal resources and operational expertise needed to successfully manage consumers throughout the collections process. The recovery of delinquent consumer debts that debt purchasing enables mitigates the impact that consumer credit costs would have on borrowing costs. Debt purchasing allows credit originators to focus on originating new credit and doing so based on more predictable credit costs and operationally manageable collection processes, a vital part of a healthy functioning financial ecosystem and supporting the fair access to credit for consumers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We customize our strategy of acquiring receivables for each geography and asset class, including those asset classes that have traditionally been underserved by major debt purchasers. While the debt purchasing sector has historically focused on prime-originated large-balance credit card receivables, a unique element of our strategy has been our full spectrum approach across asset classes. For instance, in auto loans, we pursue opportunities in secured auto loans, unsecured deficiency balances and insolvencies, positioning ourselves as a partner and full spectrum solution provider rather than just a bidder on discrete pools of assets. Whereas Canaccede had never historically purchased outside of credit card receivables prior to our acquisition of the business in 2020, we now have three significant auto loan clients in Canada that we have purchased from in 2024 and 2025. We also have capabilities in smaller balance receivables, including smaller consumer installment loans, &#8220;buy now, pay later&#8221; loans, telecom and utilities receivables, and small balance credit card debt. Certain parts of the installment loan asset class we have focused on, such as &#8220;buy now, pay later,&#8221; other point of sale financings and fintech originated installment loans have grown more quickly than other asset classes. Whether competing directly with other debt purchasers or targeting niche, underserved asset classes, our investment thesis remains centered on unwavering discipline in adhering to our return thresholds. Our significant customer database amassed over 20&#160;years, advanced machine learning and analytics capabilities enable us to model returns with a high degree of predictability, allowing us to price portfolios </font>
          </div>
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        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
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      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">13</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">accurately and maintain a consistent, disciplined acquisition strategy. Our advantage in cost-to-collect has also allowed us to earn higher returns at the same pricing as other debt buyers with a higher cost-to-collect. We believe we provide significant value to our clients by helping them solve a diverse array of asset classes and geographies through a single counterparty.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Our Strengths</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We believe that the following strengths have been essential to our success to date and will continue to be important in the future.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Strategic focus and leadership position in asset classes with large underlying markets and low penetration</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We focus on consumer asset classes that are large and growing but underpenetrated by other large debt buyers. We have unique operational capabilities in each of our target asset classes and a substantial data advantage obtained through over 22&#160;years of operational history, which provide a competitive advantage and create attractive pricing dynamics. Today, based on our experience, industry knowledge and analysis of publicly available reports, we believe we are the market leader in several asset classes in the United States, Canada and the United Kingdom including:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the largest purchaser of nonperforming telecom receivables in the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the largest or second largest purchaser of both nonperforming and insolvent auto finance receivables in the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the largest or second largest purchaser of insolvent consumer receivables in the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the largest purchaser of both nonperforming and insolvent consumer receivables in Canada; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the largest purchaser of nonperforming telecom and utilities receivables in the United Kingdom.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">There are important differences between successfully collecting a small balance nonperforming account, such as a telecom bill or a small balance credit card, and a prime-originated large-balance credit card. We believe our expertise in collecting these accounts effectively and compliantly, coupled with our low cost-to-collect, create significant barriers to entry and enhance our performance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We also have the full set of capabilities to participate in transactions in more competitive markets such as prime large-balance credit card charge-offs, but we employ a disciplined investment approach driven by return targets to determine where to allocate capital, and we choose to focus on markets where we believe we can obtain higher risk-adjusted returns.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Superior analytics supported by proprietary &#8220;through-the-cycle&#8221; data</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Since our inception over 22&#160;years ago and through March 31, 2025, we have invested nearly $3.4&#160;billion in portfolios with an original face value of approximately $79.2&#160;billion, representing approximately 43&#160;million unique consumers. We believe our significant data repository is very valuable since credit bureau data has lower predictive power for payment performance of consumers with nonperforming accounts. Our advanced pricing models stratify accounts based on hundreds of variables examined for predictive value, determine optimal collection strategy and accurately forecast liquidation rates and cost-to-collect expenses. The value of our data repository and analytics is demonstrated by our actual collections experience, which has a low standard deviation from our forecasts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Long-standing relationships and contracted deployments with diverse and granular set of clients</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We have forged both long-term and granular partnerships with our clients, including leading telecom and utilities providers and major auto finance originators. From January&#160;1, 2022 through March&#160;31, 2025, of our top 10 and 20 counterparties, five and 11 have been clients for five or more years, respectively, excluding the Conn&#8217;s Portfolio Purchase. In 2024 and in the three months ended March 31, 2025, we made 731 and 219 discrete purchases, respectively, averaging 61 and 73 transactions per month, respectively, with an average purchase size of $0.7 million and $0.8&#160;million, excluding the Conn&#8217;s Portfolio Purchase, respectively. We position our platform to clients as a comprehensive solution provider as opposed to a transaction counterparty, and we emphasize our industry-leading compliance and regulatory practices. The strength of our relationships allows us to enter into forward flow agreements for as long as three&#160;years that we regularly renew, which lock in future deployments from existing clients and provide contractual and pricing certainty. As of March 31, 2025, we had $263.6&#160;million of committed purchases through forward flow agreements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">14</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.475pt;">Track record of consistent, stable profitability</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We have a long and consistent track record of operational execution and disciplined growth that spans our over 22-year history. We have successfully navigated a variety of market conditions and credit cycles and have continued to grow our collections through the combination of organic growth and the successful integrations of several strategic acquisitions. We have demonstrated the ability to generate reliable collections in both a strong economic climate as well as periods of economic stress. We have been profitable every year since inception. For the year ended December&#160;31, 2024, we had net income of $128.9 million, compared to $111.5&#160;million for the year ended December&#160;31, 2023 and $87.6&#160;million for the year ended December&#160;31, 2022. For the three months ended March 31, 2025, we had net income of $64.2&#160;million, compared to $32.9&#160;million for the three months ended March 31, 2024. In addition, we had adjusted EBITDA of $242.1 million for the year ended December&#160;31, 2024, compared to $168.2&#160;million for the year ended December&#160;31, 2023 and $129.5&#160;million for the year ended December&#160;31, 2022. We had adjusted EBITDA of $92.0&#160;million for the three months ended March&#160;31, 2025, compared to $53.9&#160;million for the three months ended March 31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Best-in-class operating efficiency</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We have a long history of operational innovation, and our platform has been able to produce improving efficiency in collections despite our smaller overall scale and the fact that the average account balance in our portfolios is smaller than some of our key peers. Our cash efficiency ratio, which was 68.7% for the year ended December 31, 2024, as compared to ratios ranging from 54.2% to 58.9% for our two primary competitors. Our cash efficiency ratio was also higher than the cash efficiency ratios of our key competitors in each of the last five&#160;years. We believe our superior operating efficiency allows us to earn a higher level of profit than our competitors on equivalent purchases and allows us to continue to scale with increased profitability. A number of factors drive our platform&#8217;s efficiency outperformance, including our proprietary platform, our primarily outsourced variable expense structure and our co-sourced operation in Mumbai, India, which we believe helps produce a significant cost-to-collect advantage relative to competitors that maintain fixed cost U.S. based collection operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Competitive advantages from variable cost business model with proprietary collection capabilities</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our model is to outsource the aspects of the collections value chain that we view as commoditized or operationally intensive and do not produce a competitive advantage, such as running a large domestic call center. We instead seek to own the high value-add aspects of the purchasing and collection process, including performance data, extensive data analytical capabilities, technological capabilities and the collection processes and techniques that we believe create significant barriers to entry and competitive advantages. We believe competitors that maintain large domestic call centers are disadvantaged because they bear a significant fixed cost base and are not able to scale up and scale down deployments based on the market environment. By contrast, we have a variable cost structure. We scaled down deployments during 2020 and 2021 when the deployment market was weaker due to government stimulus packages, and we are scaling up significantly in recent&#160;years as the market opportunity has become significantly more favorable to us. In addition to our Mumbai collection center, we outsource other collections we believe to be commoditized to different agencies based on their particular competencies using our proprietary ValuTiers segmentation process to optimize our collections and reduce our cost-to-collect. These unique collection capabilities, paired with our proprietary technologies and business processes that help us analyze consumer information, sustain our efficiency advantage.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Conservative leverage and consistent cash flow provide strong debt servicing capabilities</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We reported net income of $128.9 million and $64.2&#160;million for the year ended December 31, 2024 and the three months ended March 31, 2025, respectively. Our adjusted cash EBITDA was $430.8 million and $210.6&#160;million for the year ended December 31, 2024 and the three months ended March 31, 2025, respectively, and our leverage based on the ratio of our net debt to adjusted cash EBITDA was 2.17x as of March 31, 2025. Leverage at the end of 2024 increased temporarily as a result of the Conn&#8217;s Portfolio Purchase, which closed on December 3, 2024. For additional information regarding adjusted cash EBITDA, a non-GAAP financial measure, and our leverage, see &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Liquidity and Capital Resources.&#8221; We have historically had, and continue to maintain, lower leverage than our peers. We view our low level of leverage to be a competitive advantage because it allows us to maintain the flexibility to expand deployments as market opportunities arise. </font>
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          <font style="letter-spacing:-0.342pt;">15</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">Since we were founded, we have operated with conservative financial policies while delivering strong results. We have increased our leverage in the current market, as we believe the opportunities to deploy attractively have risen meaningfully over the year ended December&#160;31, 2024. Despite our investments in growth, we continue to maintain lower leverage than our two primary competitors, whose reported leverage as of December 31, 2024 ranged from 2.6x to 2.9x.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Comprehensive focus on compliance and risk management centered around the consumer</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Since our founding, we have emphasized a culture of compliance premised on treating consumers fairly and helping them achieve their financial goals. We believe our compliance investments and capabilities as well as our collaborative approach with both consumers and regulators positions us well as regulators continue to promote high standards for our industry. We aim to provide consumers sensible solutions and assist them as they return to financial health. This unrelenting focus on doing the right thing and treating consumers with compassion and respect is at the heart of our exemplary compliance track record, which we believe is an important differentiator when compared to other industry participants. Credit originators across our markets are highly sensitive to regulatory compliance issues and the care of their customers, and our reputation as a &#8220;safe pair of hands&#8221; allows us to win transactions in certain situations even if we do not offer the highest purchase price for their accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Experienced, operationally focused management team</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We have a highly qualified senior management team with a strong track record of executing effective, compliant and innovative collection strategies. Our Chief Executive Officer, David Burton, with over 30&#160;years of experience in the debt recovery industry, founded Jefferson Capital in 2002 and has been integral to our strategy, operations and success. Our team has experience across economic cycles and understands how to navigate changing market conditions. Throughout the organization, we have a culture of performance that is based upon decades of industry experience among the senior management team.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Our Growth Strategy</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our revenue and net income have grown at a 24.7% and 42.0% compound annual growth rate from the year ended December&#160;31, 2019 to the year ended December 31, 2024, respectively. We have grown both our revenue and our net operating income every year since 2013. We have managed to produce consistent historical growth despite changing deployment environments in many of our core markets by expanding our geographies, including the acquisition of Canaccede in Canada and by acquiring the assets and certain entities of Refinancia in Colombia. At the same time, we have also produced significant organic growth in our deployment volumes, particularly in our core U.S. market.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We believe there are organic and inorganic opportunities for growing our ERC, revenues and net income from both new and existing clients. We estimate that the TAM in our asset classes in the United States was approximately $167.8&#160;billion in 2024, relative to our purchased face value of $6.9&#160;billion or 4.1% of our TAM. We estimate that our TAM in Canada, the United Kingdom and Colombia was an additional $5.1&#160;billion, $6.8&#160;billion and $3.4&#160;billion, respectively, and our purchased face value in these markets was 24.6%, 3.9% and 24.5% of our TAM in 2024. See &#8220;&#8212;Our Markets&#8221; for further information on the calculation of our </font><font style="letter-spacing:-0.361pt;">TAM.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We may be required to seek additional capital in order to fund our multifaceted growth strategy. For example, we may make additional borrowings under the Revolving Credit Facility, enter into other credit or financing agreements or sell additional securities. If we decide to fund our growth strategy with equity securities, our stockholders may experience significant dilution.</font>
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            <font style="letter-spacing:-0.038pt;">We believe the below factors position us well to increase our ERC, revenues and net income and enhance our position as a market leader in our core asset classes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Rising nonperforming loans market-wide</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">According to the Federal Reserve Bank of St. Louis, the 30+ delinquency rate on consumer loans at U.S. commercial banks has risen sequentially since the third quarter of 2021 and as of December 31, 2024, stood at 2.75%, the highest level since the third quarter of 2012. Similarly, charge-offs on U.S. consumer loans at commercial banks have followed delinquencies higher and as of December 31, 2024, stood at 2.98%, the </font>
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            <font style="letter-spacing:-0.038pt;">highest level since the third quarter of 2011 based on the same data. The trend towards higher levels of delinquency has come despite consistently low levels of unemployment, which stood at 4.2% at March&#160;31, 2025, up modestly from 3.7% at December&#160;31, 2023 and 4.1% at December 31, 2024 according to the Bureau of Labor Statistics. On September&#160;30, 2024, the &#8220;on-ramp&#8221; for student loan repayments ended and missed payments on the $1.5&#160;trillion of federal government student loans started to be reported to credit bureaus and sent to collections for the first time in four and a half&#160;years, further straining finances for consumers who may also have other loan obligations. Given the trend towards a rising proportion of loans in early stage delinquency, we believe more loans will continue to ultimately roll to charge-off, and this will increase the number of charged-off loans that our clients will look to sell. We believe the opportunity to grow our deployments and ERC has been rising. At the same time, as the amount of nonperforming loans for sale rises, we believe pricing has typically declined and returns have risen, and recent deployments have been underwritten at higher risk-adjusted returns than our older vintages. We believe we have ample financial capacity to take advantage of this potential market opportunity.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Drive deployment growth through operating efficiencies of our proprietary digital technologies</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We have developed an innovative and proprietary digital collections platform that automates standardized administrative or repetitive tasks while providing consumers with direct and immediate communication in a personal and non-intrusive manner that offers a more convenient payment method. The platform also reduces our reliance on traditional communication methods such as mail and direct calls, which further lowers our cost-to-collect and increases our net income. Our digital collections environment exemplifies our consumer-centric approach to client service by reaching consumers who prefer to interact with us online or digitally. This technology infrastructure also allows us to more precisely identify customer behavioral patterns. These insights enable us to digest new predictive data and adapt to changing macro-economic circumstances to more quickly refine our predictive models for new purchase pricing, fine-tune our deployment and pricing strategies or to change our collection strategies. Our technology infrastructure enables us to implement changes across our organization in an expedited fashion. We believe these factors contribute to our ability to produce higher returns than our publicly traded competitors and grow our market share, including our market share in asset classes where our peers focus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Add new clients in our core markets in the United States and Canada</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our business development team has successfully grown our deployments for many&#160;years by adding new clients, retaining our core clients and increasing the range of asset classes that clients generally sell to us. In 2023, we added 32 new clients, in 2024, we added 14 new clients and in the three months ended March&#160;31, 2025, we added four new clients. During this time, we also saw substantial increases in volumes from many existing clients. Some of our new clients are first time sellers that previously retained and collected their own charged-off accounts. These relationships typically begin with us making smaller purchases; however, as our clients become more familiar with our capabilities, compliance, and professionalism, there is greater potential for substantially higher purchase volume. In other instances, we gain new clients that previously sold their accounts to peer debt buyers. We increasingly find that our efficiency and our demonstrated lower cost-to-collect allows us to be competitive with larger debt buyers in the large-balance credit card market in which they focus while maintaining our target return requirements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Leverage our data and collection capabilities across a variety of asset class focus in Canada, the United Kingdom and Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Unlike some of our peers, we pursue nonperforming loan purchase opportunities across a wide variety of asset classes beyond credit cards and in both insolvency and distressed receivables. We believe we have for a long time been a leader in the United States in several of those asset classes. When we acquired Canaccede in 2020, Canaccede&#8217;s business was mainly comprised of purchasing credit cards and personal loans. Based in part upon our experience in the United States, we have now expanded our Canadian business into purchasing, among other things, secured auto loans, telecom receivables and utility receivables. In 2019, we similarly started to focus heavily on telecom and utilities purchases in the United Kingdom and are now a market leader in the United Kingdom. Based upon our leadership in the Canadian and U.S. insolvency markets, we decided to launch insolvency purchasing in the United Kingdom in 2023. In the Caribbean, we began purchasing credit cards and personal loans in 2023, and we are expanding our purchasing to include secured loans as well. We believe our experience and success in purchasing certain asset classes in the United States will allow us to grow our market share in similar asset classes in other geographies.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:0.475pt;">Expand performing loan purchasing in the United States</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">We have historically entered new asset classes opportunistically where we believe returns will be attractive, the underlying market is large, and we are able to develop a competitive moat through better data and collection strategies. We believe performing consumer loans with credit deterioration, a high degree of credit risk or that require significant focus on servicing offer such an opportunity and one for which our skill set is particularly well-suited. During 2022 and 2023, we selectively purchased pools of performing loans where there was significant credit deterioration or related risk, because our experience in handling more seriously delinquent nonperforming loans provided the skills and strategies to successfully acquire and service performing loans with</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">significant credit deterioration. The Conn&#8217;s Portfolio Purchase in 2024 reflected a significant expansion of this strategy. Because the cash flows emanating from performing loans are much greater than they are for non-performing loans on a relative basis, and the cost of collecting these assets is expected to be substantially less, the market size for performing loans can represent a significant expansion from the non-performing loan market. We believe that there will be the opportunity to purchase other portfolios that contain a mix of performing and non-performing loans and having the capability to evaluate and purchase and service both together, and an ability to manage performing loans that become non-performing where there is an elevated credit risk, will be a competitive advantage.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Organically enter new adjacent geographic markets in Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">We entered the Colombian market in 2021 through a purchase alongside Refinancia, as a partner, from a significant global bank that was also our client in a separate geography. We scaled our presence in Colombia by acquiring the assets and certain entities of Refinancia in 2022 and 2023, which expanded our purchasing and client relationships in the Colombian market. In 2023, we began purchasing in Peru and the Caribbean. Existing clients have expressed interest in selling portfolios to us in the following markets: Mexico, Chile, Panama and Costa Rica. We believe this interest is indicative of the attractiveness of our platform as compared to local competitors, such as cost of funds, financial capacity and operational compliance disciplines. Given increased interest in our platform in Latin America, we believe we could create a more substantive Pan-Latin American platform over time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Acquire a European platform at an attractive entry price</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Because of the financial distress that a handful of major European platforms are undergoing due to overleverage and years of poor performance, there has been a level of dislocation in European capital markets for non-performing loan purchasers, which may create an opportunity to acquire a stronger platform that has been impacted by the dislocation. Based on publicly disclosed financial reports, two of the largest platforms are reported to have become increasingly unprofitable and are in the midst of publicly announced debt restructurings, which has resulted in much higher bond yields across the European market. While we do not have any binding agreements or commitments to do so, we believe there could be a possibility in the future to acquire the assets of such a European platform at an attractive entry price, which would allow us to expand our business further into continental Europe.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Enter the high street bank market in the United Kingdom</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We may have the opportunity to purchase from the British high street banks because other competitors that have experienced financial distress have pulled back in this market. We believe our competitors&#8217; exits have created more favorable pricing in the market and allow for higher returns than have been available historically. Should the competitive market change to the extent that returns meet our requirements, we could access the much larger U.K. bank market, allowing us to expand beyond the telecom and utilities and installment loans markets in which we currently participate.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Our Clients</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We purchase portfolios of nonperforming loans through either single portfolio purchases, referred to as spot sales, or through the pre-arranged agreement to purchase multiple portfolios at regular intervals, referred to as forward flow sales. Under a forward flow contract, we agree to purchase statistically similar nonperforming loan portfolios from credit grantors on a periodic basis at a pre-negotiated price over a specified time period, generally from six&#160;months to as long as three&#160;years for some of our clients. We regularly renew our forward flow contracts with our long-time clients. As of March 31, 2025, we had $263.6&#160;million of total committed forward flows.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We benefit from a long-term client base with whom we have forward flow agreements in place that regularly renew. We seek to form strategic relationships with clients and engage in regular dialogue with their senior executives in order to identify additional opportunities to enhance their goals. We continuously improve our cost-to-collect and build a &#8220;moat&#8221; around the client relationship that we believe would be very difficult for any new entrant to replicate. As of March&#160;31, 2025, we have had a relationship of over five years with five of our top 10 clients, excluding Conn&#8217;s.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We also manage an active pipeline of new clients and utilize extensive marketing efforts to realize new purchasing opportunities. Over the last six&#160;years, we have experienced significant growth in our purchases in terms of both dollar amount and the number of sellers, adding over 120 new clients between 2018 and March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">As we pursue nonperforming loan purchase opportunities across a wide variety of asset classes and pursue relationships with originators of all sizes, we believe our purchasing and client relationships are less concentrated than those of our key competitors, who tend to focus on fewer asset classes and primarily on large purchases. For the period beginning January&#160;1, 2022 and ending March 31, 2025, excluding the Conn&#8217;s Portfolio Purchase, our top five counterparties accounted for 33.8% of purchases with the top counterparty accounting for 8.8% of total purchase volume for that period. In 2024 and in the three months ended March 31, 2025, we made 731 and 219 discrete purchases, respectively, averaging 61 and 73 transactions per month, respectively, with an average purchase size of $0.7 million and $0.8&#160;million, excluding the Conn&#8217;s Portfolio Purchase, respectively. We have forged long-term partnerships with major financial institutions, major telecom companies and many smaller niche originators. In the year ended December 31, 2024 and the three months ended March 31, 2025, we added 14 and four new clients, respectively, in addition to seeing substantial increases in volumes from many existing clients. In addition to our forward flows with long-time clients where we derive the vast majority of our purchases, we also actively participate in bidding for new purchases of nonperforming loan portfolios through auctions and negotiated sales.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Our Operations</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our operational strategy is to create differentiated capabilities that provide a competitive advantage while outsourcing the activities that we believe are commoditized and operationally intensive. These capabilities include the data and analytical capabilities, master servicing capabilities, technology and digital collection capabilities, and legal collections as well as other unique or differentiated collection capabilities for a given market.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We utilize external servicing resources, including both collection agencies and external law firms, more than some of the other major nonperforming loan purchasers because of the operational flexibility and the competitive performance dynamics they provide. By having less overhead and a higher proportion of variable costs, we believe we are more disciplined on pricing than our peers and are able to refrain from purchasing at returns below our thresholds. We believe our peers may feel more pressure to purchase at lower returns in order to support a larger fixed cost base comprised of much larger internal call center and internal legal channel operations. Because our operating model is flexible and scalable based on variable operating expenses, we can scale upward and downward as needed depending on supply conditions in the deployment market. Managing external servicers and resources is a core competency. We employ a rigorous onboarding process, with an emphasis on compliance and risk management through CMS, we have active oversight of the operations and performance, and we can and do shift our placements if we find performance is lagging or because an external vendor, like a law firm or agency, will not be able to meet our stringent compliance standards.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Asset Diversification</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We have expertise and historical data in under-penetrated asset classes where others lack robust historical performance that give us a competitive advantage in pricing and implementing collection strategies. Our asset classes are very diversified in the United States and the United Kingdom. We have achieved consistently high multiples of investment across all core asset classes. The below chart shows our asset diversification in the United States, Canada, the United Kingdom and Latin America as of March 31, 2025:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Our Business Lines</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The chart below presents an overview of our collection channels for the year ended December&#160;31, 2024 for each of our geographic locations or segments:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Distressed Business Line</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The Distressed business line (&#8220;Distressed&#8221;) is our largest business line and represents the purchase, collection and servicing collection of nonperforming consumer loans. The vast majority of distressed accounts that we purchase have been charged-off for reason of delinquency. However, we have also purchased accounts that are considered to be performing but that have elevated credit risk, which we can purchase at a significant discount to face value. The Conn&#8217;s Portfolio Purchase included both accounts that were charged-off and accounts that are considered to still be performing though with elevated credit risk, and we consolidated that purchase into our Distressed business line.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Since inception and through March 31, 2025, we have invested approximately $2.3&#160;billion in portfolios with original face value of approximately $70.5&#160;billion of distressed receivables with a strategic focus on underpenetrated asset classes, including consumer installment loans, telecom receivables, auto finance loans, utilities, and small balance credit card receivables. We believe we possess robust historical performance data that other competitors lack in each of these asset classes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Insolvency Business Line</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">In our Insolvency business line, we purchase and service insolvency accounts that are filed under Chapter 7 or Chapter 13 of Title 11 of the United States Code (as amended, the &#8220;U.S. Bankruptcy Code&#8221;), or under equivalent insolvency statutes in Canada and the United Kingdom. Accounts in an insolvency typically obtain payment plans that generally range from three to five&#160;years in duration. We purchase accounts that are at any stage in the bankruptcy plan life schedule. Portfolios acquired close to the filing of the bankruptcy plan </font>
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          <font style="letter-spacing:-0.342pt;">20</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">will generally take&#160;months to generate cash flow, while aged portfolios acquired&#160;years after the plan filing will typically generate immediate cash flows. Non-U.S. insolvency accounts may have some slight differences but generally operate in a similar manner. In Canada, we purchase consumer proposal, consumer credit counseling and bankrupt accounts. We recently commenced purchasing portfolios of insolvent accounts in the United Kingdom, which are referred to as Individual Voluntary Arrangements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">Since inception and through March 31, 2025, we have invested approximately $1.1 billion in portfolios with original face value of approximately $8.8 billion in insolvency purchases. We are able to manage all bankruptcy chapters in all states and territories and purchase in all secured and unsecured asset classes except for mortgages. We believe we are part of a very small subset of companies that buys consumer bankruptcy claims and part of an even smaller subset that buys secured consumer bankruptcy claims. Because we buy both secured and unsecured loans across the credit spectrum, we believe creditors prefer to work with us as they do not have to engage multiple vendors, which may require lengthy and complicated on-boarding and may increase cost and risk. In addition to the purchase of portfolios of insolvent loans, we provide fee-based services including third-party servicing of bankruptcy accounts in the United States and Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Our Focus on Compliance</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We believe our compliance track record is one of the best in the industry. Since our founding in 2002, investments in people and processes to ensure ongoing legal and regulatory compliance, coupled with a&#160;culture that promotes doing the right thing for consumers, have provided a key commercial competitive advantage in winning new business from reputation sensitive credit originators, financial institutions and service providers. Our success is rooted in our history of compliance. Since 2012 through March 31, 2025, we have engaged in approximately 1,400 compliance requests and audits by clients and regulators. We successfully completed 141 and 44 such requests and audits for the year ended December&#160;31, 2024 and the three months ended March&#160;31, 2025, respectively, and we have never failed a regulatory audit in our 22-year history.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">By centering our business around treating the consumer fairly in all of our operations, and through the use of proprietary technology and experienced associates to promptly and efficiently resolve consumer inquiries, we believe we are able to provide a better customer experience and better responsiveness to consumer concerns than other large industry participants. These outcomes have been viewed favorably by both the institutions from whom we acquire accounts and by our regulators.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Recent Developments</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.475pt;">8.250% Senior Notes due 2030</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">On May 2, 2025, Jefferson Capital Holdings, LLC completed an offering (the &#8220;2030 Notes Offering&#8221;) of $500.0 million aggregate principal amount of 8.250% senior notes due 2030 (the &#8220;2030 Notes&#8221;) under an indenture (the &#8220;2030 Notes Indenture&#8221;), dated as of May 2, 2025, among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee. The 2030 Notes are general senior unsecured obligations of Jefferson Capital Holdings, LLC and are guaranteed by certain of Jefferson Capital Holdings, LLC&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2030 Notes is payable semiannually on May 15 and November 15 of each year, commencing on November 15, 2025. The 2030 Notes mature on May 15, 2030. For additional information on material terms, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">8.250% Senior Notes due 2030.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Summary Risk Factors</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Investing in our common stock involves substantial risk. Our ability to execute our strategy is also subject to certain risks. The risks described under the heading &#8220;Risk Factors&#8221; in this prospectus may cause us not to realize the full benefits of our strengths or may cause us to be unable to successfully execute all or part of our strategy. Some of the most significant challenges and risks we face include the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">A deterioration in the economic or inflationary environment in the countries in which we operate could have an adverse effect on our business and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We may not be able to continually replace our nonperforming loans with additional portfolios sufficient to operate efficiently and profitably, or we may not be able to purchase nonperforming loans at appropriate prices.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We may not be able to collect a sufficient amount from our nonperforming loans to fund our operations. </font>
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          <font style="letter-spacing:-0.342pt;">21</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">Our collections may decrease if certain types of insolvency proceedings and bankruptcy filings involving liquidations increase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We outsource and offshore certain activities related to our business to third parties. Any disruption or failure of these third parties to provide these services could adversely affect our business operations, financial condition and reputation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Disruptions at our co-sourced operation in Mumbai could adversely impact our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Goodwill impairment charges could negatively impact our net income and stockholders&#8217; equity.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our loss contingency accruals may not be adequate to cover actual losses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Solicitors of Moriarty, our wholly-owned law firm subsidiary in the United Kingdom, could act outside our interests and/or regulatory bodies to which such law firm subsidiary and its solicitors are subject could take enforcement action or impose sanctions that could impact our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our expected collections from the Conn&#8217;s Portfolio Purchase may not be realized, or our expenses from the FTE that were formerly employed by Conn&#8217;s may be higher than we anticipated, which may adversely impact our financial results.</font>
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            <font style="letter-spacing:-0.038pt;">Our international operations expose us to risks, which could harm our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We may experience losses on portfolios consisting of new asset classes of receivables or receivables in new geographies due to our lack of collection experience with these receivables, which could harm our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Compliance with complex and evolving international and U.S. laws and regulations that apply to our international operations could increase our cost of doing business in international jurisdictions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Evolving regulation, particularly in Latin America, where the regulatory environment is less restrictive with respect to the use of certain new technologies and where new collection capabilities are tested before broader adoption across our business, could adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our ability to collect and enforce our nonperforming and performing loans may be limited under federal, state and international laws, regulations and policies.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The regulation of data privacy in the United States and globally, or an inability to effectively manage our data governance structures, could have an adverse effect on our business, financial condition and results of operations by increasing our compliance costs or decreasing our competitiveness.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We are dependent on our data gathering systems and proprietary consumer profiles, and if access to such data was lost or became public, our business could be materially and adversely affected.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">A cybersecurity incident could damage our reputation and adversely impact our business and financial results.</font>
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            <font style="letter-spacing:-0.038pt;">The underperformance or failure of our information technology infrastructure, networks or communication systems could result in a loss in productivity, loss of competitive advantage and business disruption.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We may not be able to adequately protect the intellectual property rights upon which we rely and, as a result, any lack of protection may diminish our competitive advantage.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our use of machine learning and AI technologies could adversely affect our products and services, harm our reputation, or cause us to incur liability resulting from harm to individuals or violation of laws and regulations or contracts to which we are a party.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We expect to use leverage in executing our business strategy, which may have adverse consequences.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We may not be able to generate sufficient cash flow or complete alternative financing plans, including raising additional capital, to meet our debt service obligations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The JCF Stockholders (as defined below) control us, and their interests may conflict with ours or yours in the future, including matters that involve corporate opportunities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We expect to be a &#8220;controlled company&#8221; within the meaning of the corporate governance rules of the Nasdaq and, as a result, we qualify for exemptions from certain corporate governance requirements. You </font>
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          <font style="letter-spacing:-0.342pt;">22</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">will not have the same protections as those afforded to stockholders of companies that are subject to such governance requirements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Our Corporate Information</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We were initially formed on November&#160;12, 2024 as a Delaware corporation, for purposes of becoming the issuer in this offering. Our principal executive offices are located at 600 South Highway 169, Suite 1575, Minneapolis, Minnesota 55426, and our telephone number is (320) 229-8505. Our corporate website address is www.jcap.com. Information contained on, or accessible through, our website shall not be deemed incorporated into and is not a part of this prospectus or the registration statement of which it forms a part. We have included our website in this prospectus solely as an inactive textual reference.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">The Reorganization</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Jefferson Capital, Inc., a Delaware corporation, was formed in connection with this offering and is the issuer of the common stock offered by this prospectus. Prior to this offering, our business operations have generally been conducted through Jefferson Capital Holdings, LLC and its subsidiaries. JCAP TopCo, LLC is a holding company and the direct parent of Jefferson Capital Holdings, LLC. Following a series of transactions that we will engage in immediately prior to the completion of this offering, which we refer to collectively as the &#8220;Reorganization,&#8221; Jefferson Capital, Inc. will become a holding company with no material assets other than 100% of the equity interests in JCAP TopCo, LLC, which will remain a holding company with no material assets other than 100% of the equity interests in Jefferson Capital Holdings, LLC. Jefferson Capital, Inc. will also succeed to federal NOLs, state NOLs and tax credit carryforwards under Section&#160;381 of the Code as a result of its acquisition in the Reorganization of certain affiliated corporations that held direct or indirect equity interests in JCAP TopCo, LLC. As indirect parent of Jefferson Capital Holdings, LLC following the Reorganization and this offering, Jefferson Capital, Inc. will operate and control all of the business and affairs, and consolidate the financial results of, Jefferson Capital Holdings, LLC and its subsidiaries.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">To effect the Reorganization, the current direct and indirect owners of JCAP TopCo, LLC, which include (i)&#160;entities affiliated with J.C. Flowers, (ii)&#160;members of Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC, an entity through which employees of JCAP TopCo, LLC and its subsidiaries and certain of our directors hold equity interests, and (iii)&#160;former equity holders of Canaccede, will, among other things, exchange their direct and indirect interests in JCAP TopCo, LLC for shares of our common stock. We refer to the entities affiliated with J.C. Flowers, members of Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC and former stockholders of Canaccede who will own shares of our common stock following the Reorganization and this offering as the &#8220;JCF Stockholders,&#8221; &#8220;Management Stockholders&#8221; and &#8220;Former Canaccede Stockholders,&#8221; respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">As a result of the Reorganization and after giving effect to the completion of this offering at an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">the investors in this offering will collectively own</font><font style="letter-spacing:-0.361pt;"> 15.4</font><font style="letter-spacing:-0.038pt;">% of the outstanding shares of our common stock (or</font><font style="letter-spacing:-0.361pt;"> 17.7</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders);</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">the JCF Stockholders will collectively own</font><font style="letter-spacing:-0.361pt;"> 68.9</font><font style="letter-spacing:-0.038pt;">% of the outstanding shares of our common stock (or</font><font style="letter-spacing:-0.361pt;"> 67.5</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders);</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">the Management Stockholders will collectively own</font><font style="letter-spacing:-0.361pt;"> 15.7</font><font style="letter-spacing:-0.038pt;">% of the outstanding shares of our common stock (or</font><font style="letter-spacing:-0.361pt;"> 14.8</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders); and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">the Former Canaccede Stockholders will collectively own none of the outstanding shares of our common stock, as they will be selling all of their</font><font style="letter-spacing:-0.361pt;"> 1,612,721</font><font style="letter-spacing:-0.038pt;"> shares of common stock that they receive in the Reorganization in this offering</font><font style="letter-spacing:-0.361pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">The number of shares of common stock that will be received by the JCF Stockholders, the Former Canaccede Stockholders and the Management Stockholders in exchange for the 132,828,019 Class A Units and Class&#160;C Units of JCAP TopCo, LLC outstanding immediately prior to the Reorganization will be based on an exchange ratio of one share of our common stock for every </font><font style="letter-spacing:-0.361pt;">2.4150549</font><font style="letter-spacing:-0.038pt;"> interests in JCAP TopCo, LLC, resulting </font>
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          <font style="letter-spacing:-0.342pt;">23</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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              <font style="letter-spacing:-0.038pt;">in an aggregate of </font><font style="letter-spacing:-0.361pt;">55,000,000</font><font style="letter-spacing:-0.038pt;"> shares of our common stock being issued in exchange for such Class A Units and Class C Units. In addition, based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus, an aggregate of </font><font style="letter-spacing:-0.361pt;">9,188,219 </font><font style="letter-spacing:-0.038pt;">shares of common stock will be issued in exchange for the 27,937,232 Class B Units of JCAP TopCo, LLC outstanding immediately prior to the Reorganization, resulting in a total of </font><font style="letter-spacing:-0.361pt;">64,188,219</font><font style="letter-spacing:-0.038pt;"> shares of common stock outstanding immediately after the Reorganization and before giving effect to this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">The number of shares of common stock that the Management Stockholders will collectively receive pursuant to the Reorganization will be based in part on the value that Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC would have received under the distribution provisions of the limited liability agreement of JCAP TopCo, LLC, with shares of our common stock valued by reference to the ultimate initial public offering price of shares of common stock in this offering. Specifically, of the </font><font style="letter-spacing:-0.361pt;">10,144,779</font><font style="letter-spacing:-0.038pt;"> shares of common stock to be issued to the Management Stockholders in the Reorganization, </font><font style="letter-spacing:-0.361pt;">9,188,219</font><font style="letter-spacing:-0.038pt;"> shares will be issued in respect of Class B Units of Management Invest</font><font style="letter-spacing:-0.361pt;">, LLC </font><font style="letter-spacing:-0.038pt;">(which correspond to Class B Units of JCAP TopCo, LLC) that are &#8220;in- the-money&#8221; but remain subject to certain vesting conditions specified in individual award agreements. These shares will be issued as restricted stock either with the same time-based vesting requirements that the corresponding Class B Units were subject to prior to the Reorganization or, if such corresponding Class B Units had performance vesting requirements, with a three year time-vesting requirement. If the vesting conditions of the restricted stock are not satisfied, such restricted stock will be forfeited and canceled. See &#8220;The Reorganization&#8221; and &#8220;Executive Compensation &#8212; Equity Compensation &#8212; Class B Unit Grants.&#8221;</font>
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            <font style="letter-spacing:0.5pt;">Organizational Structure</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">The following chart illustrates our simplified structure following the Reorganization and this offering, assuming an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share of common stock, which is the midpoint of the price range set forth on the cover page of this prospectus, and assuming no exercise of the underwriters&#8217; option to purchase additional shares of our common stock. The chart is provided for illustrative purposes only and does not represent all legal entities affiliated with us, or our obligations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
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            <font style="letter-spacing:-0.028pt;">Issuer of the 2026 Notes, 2029 Notes and 2030 Notes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
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            <font style="letter-spacing:-0.028pt;">CL Holdings, LLC, Jefferson Capital Systems, LLC, JC International Acquisition, LLC and CFG Canada Funding, LLC, four of our operating subsidiaries, are the Borrowers under the Revolving Credit Facility. For further information, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Revolving Credit Facility.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">24</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.5pt;">Our Sponsor</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">J.C. Flowers is a leading private investment firm dedicated to investing globally in the financial services industry. Founded in 1998, J.C. Flowers has invested more than $18&#160;billion of capital in 70 portfolio companies in 18 countries across a range of industry subsectors including banking, insurance and reinsurance, securities firms, specialty finance, and services and asset management. With approximately $5&#160;billion of assets under management, J.C. Flowers has offices in New York and London.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">J.C. Flowers acquired a majority equity interest in the Jefferson Capital business in 2018. Since then, we have maintained a strong and constructive relationship with J.C. Flowers, who has continued to hold a controlling interest in our business through its affiliated funds. Three of the seven members of our board of directors are also affiliated with J.C. Flowers.</font>
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              <font style="letter-spacing:-0.038pt;">Immediately following this offering, the JCF Stockholders, some of whom are selling stockholders in this offering, will together control approximately</font><font style="letter-spacing:-0.361pt;"> 68.9</font><font style="letter-spacing:-0.038pt;">% of the voting power of our outstanding common stock (or</font><font style="letter-spacing:-0.361pt;"> 67.5</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares from the selling stockholders). As a result, the JCF Stockholders will continue to control any action requiring the general approval of our stockholders, including the election of our board of directors, the adoption of amendments to our amended and restated certificate of incorporation and amended and restated by-laws and the approval of any merger or sale of substantially all of our assets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Because the JCF Stockholders will control more than 50% of the voting power of our outstanding common stock, we will be a &#8220;controlled company&#8221; under the corporate governance rules for the Nasdaq. Therefore, we will be permitted to elect not to comply with certain corporate governance requirements. See &#8220;Risk Factors</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Risks Related to This Offering and Ownership of Our Common Stock</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">We expect to be a &#8220;controlled company&#8221; within the meaning of the corporate governance rules of the Nasdaq and, as a result, we qualify for exemptions from certain corporate governance requirements. You will not have the same protections as those afforded to stockholders of companies that are subject to such governance requirements.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <div style="margin-top:8pt; width:456pt; line-height:12pt;">
              <font style="letter-spacing:-0.038pt;">In addition, in connection with the completion of this offering, we intend to enter into a stockholders agreement with the JCF Stockholders (the &#8220;Stockholders Agreement&#8221;), which will provide the JCF Stockholders the right to designate a certain number of nominees for election to our board of directors and certain committee nomination rights for so long as the JCF Stockholders (including their permitted transferees under the Stockholders Agreement) beneficially own a specified&#160;percentage of our outstanding common stock. See &#8220;Certain Relationships and Related Party Transactions</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Stockholders Agreement</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Nomination and Consent Rights</font><font style="letter-spacing:-0.361pt;">.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.5pt;">Implications of Being an Emerging Growth Company</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We qualify as an &#8220;emerging growth company&#8221; as defined in the Jumpstart Our Business Startups Act of 2012 (the &#8220;JOBS Act&#8221;). We will remain an emerging growth company until the earliest of (1)&#160;the last day of the fiscal year following the fifth anniversary of the completion of this offering, (2)&#160;the last day of the fiscal year in which we have total annual gross revenues of at least $1.235&#160;billion, (3)&#160;the last day of the fiscal year in which we are deemed to be a &#8220;large accelerated filer&#8221; as defined in Rule&#160;12b-2 under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), which would occur if the market value of our common stock held by non-affiliates exceeded $700.0&#160;million as of the last business day of the second fiscal quarter of such year or (4)&#160;the date on which we have issued more than $1.0&#160;billion in non-convertible debt securities during the prior three-year period. An emerging growth company may take advantage of specified reduced reporting requirements and is relieved of certain other significant requirements that are otherwise generally applicable to public companies. As an emerging growth company:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">we will present in this prospectus only two&#160;years of audited consolidated financial statements, plus any required unaudited consolidated financial statements, and related management&#8217;s discussion and analysis of financial condition and results of operations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">we will avail ourselves of the exemption from the requirement to obtain an attestation and report from our auditors on the assessment of our internal control over financial reporting pursuant to the Sarbanes-Oxley Act of 2002;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">we will provide less extensive disclosure about our executive compensation arrangements; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">25</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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            <font style="letter-spacing:-0.038pt;">we will not require stockholder non-binding advisory votes on executive compensation or golden parachute arrangements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Accordingly, the information contained herein may be different than the information you receive from our competitors that are public companies or other public companies in which you hold stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">In addition, the JOBS Act provides that an emerging growth company can delay the adoption of new or revised accounting standards until those standards would otherwise apply to private companies. We have elected to avail ourselves of this extended transition period for complying with new or revised accounting standards and, as a result, our results of operations and financial statements may not be comparable to those of companies that have adopted the new or revised accounting standards. </font>
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          <font style="letter-spacing:-0.342pt;">26</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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            <font style="text-transform:uppercase;letter-spacing:0.5pt;">The Offering</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <div style="margin-left:10pt; text-indent:-10pt; margin-top:18pt; line-height:11.5pt;">
              <font style="letter-spacing:-0.038pt;">Common stock offered by us </font>
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            <div style="margin-left:180pt; margin-top:-11.5pt; width:276pt; line-height:12pt;">
              <font style="letter-spacing:-0.361pt;">625,000 </font><font style="letter-spacing:-0.038pt;">shares.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">Common stock offered by the selling stockholders</font><font style="letter-spacing:-0.361pt;"> </font>
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              <font style="letter-spacing:-0.361pt;">9,375,000</font><font style="letter-spacing:-0.038pt;"> shares (or </font><font style="letter-spacing:-0.361pt;">10,875,000</font><font style="letter-spacing:-0.038pt;"> shares if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <div style="margin-left:10pt; text-indent:-10pt; margin-top:18pt; line-height:11.5pt;">
              <font style="letter-spacing:-0.038pt;">Option to purchase additional shares</font>
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              <font style="letter-spacing:-0.038pt;">of common stock from the selling stockholders </font>
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              <font style="letter-spacing:-0.038pt;">The underwriters have an option to purchase up to an aggregate of </font><font style="letter-spacing:-0.361pt;">1,500,000</font><font style="letter-spacing:-0.038pt;"> additional shares of our common stock from the selling stockholders at the initial public offering price, less underwriting discounts and commissions. The underwriters can exercise this option at any time within 30&#160;days from the date of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <div style="margin-left:10pt; text-indent:-10pt; margin-top:18pt; line-height:11.5pt;">
              <font style="letter-spacing:-0.038pt;">Common stock to be outstanding after this offering </font>
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              <font style="letter-spacing:-0.361pt;">64,813,219 </font><font style="letter-spacing:-0.038pt;">shares.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <div style="margin-left:10pt; text-indent:-10pt; margin-top:18pt; line-height:11.5pt;">
              <font style="letter-spacing:-0.038pt;">Use of proceeds </font>
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              <font style="letter-spacing:-0.038pt;">We estimate that the net proceeds to us from the sale of the shares of our common stock in this offering will be approximately </font><font style="letter-spacing:-0.361pt;">$3.7 </font><font style="letter-spacing:-0.038pt;">million, based upon an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us.</font>
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              <font style="letter-spacing:-0.038pt;">The principal purposes of this offering are to increase our capitalization and financial flexibility, facilitate an orderly distribution for the selling stockholders, create a public market for our common stock and enable access to the public equity markets for us and our stockholders. We expect to use approximately </font><font style="letter-spacing:-0.361pt;">$3.7 </font><font style="letter-spacing:-0.038pt;">million of the net proceeds from this offering to repay outstanding borrowings, if any, under the Revolving Credit Facility and intend to use any remaining net proceeds from this offering for general corporate purposes, including to fund our growth, technology development, working capital, operating expenses and capital expenditures. We may also use a portion of the net proceeds and/or future borrowings under the Revolving Credit Facility to acquire complementary businesses, products, services or technologies, however, we do not have agreements or commitments for any material acquisitions or investments at this time. We will have broad discretion in the way that we use the net proceeds of this offering. We will not receive any proceeds from the sale of shares of common stock offered by the selling stockholders, including upon the sale of shares of our common stock by the selling stockholders if the underwriters exercise their option to purchase additional shares of our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-left:180pt; margin-top:8pt; width:276pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">See the sections titled &#8220;Principal and Selling Stockholders&#8221; and &#8220;Use of Proceeds&#8221; for additional information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">27</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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              <font style="letter-spacing:-0.038pt;">Controlled company </font>
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          <div style="margin-left:180pt; margin-top:-11.5pt; width:276pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Immediately following this offering, we expect to be a &#8220;controlled company&#8221; within the meaning of the corporate governance rules of the Nasdaq, as the JCF Stockholders will together have more than 50% of the voting power for the election of directors. See the section titled &#8220;Principal and Selling Stockholders.&#8221; Under these rules, a &#8220;controlled company&#8221; may elect not to comply with certain corporate governance requirements, including the requirements that, within one year of the listing date, (i)&#160;we have a board of directors that is composed of a majority of independent directors and (ii)&#160;we have a compensation committee that consists entirely of independent directors. Following this offering, we intend to elect not to comply with such corporate governance requirements. Accordingly, you may not have the same protections afforded to stockholders of companies that are subject to all of the corporate governance requirements. See the section titled &#8220;Management</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201; </font><font style="letter-spacing:-0.038pt;">Controlled Company Status.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">Dividend policy</font><font style="letter-spacing:-0.361pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">We currently intend to pay quarterly cash dividends of $</font><font style="letter-spacing:-0.361pt;">0.24</font><font style="letter-spacing:-0.038pt;"> per share on our common stock beginning in the third quarter of 2025, representing an initial amount of approximately $</font><font style="letter-spacing:-0.361pt;">15.6</font><font style="letter-spacing:-0.038pt;"> million per quarter, although any declaration of dividends will be at the discretion of our board of directors and will depend on our financial condition, earnings, liquidity and capital requirements, regulatory constraints, level of indebtedness, contractual restrictions with respect to payment of dividends, restrictions imposed by Delaware law, general business conditions and any other factors that our board of directors deems relevant in making such a determination. Therefore, there can be no assurance that we will pay any dividends to holders of our common stock, or as to the amount of any such dividends. See &#8220;Dividend Policy.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">Directed Share Program</font>
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              <font style="letter-spacing:-0.038pt;">At our request, the underwriters have reserved five percent of the shares of common stock to be issued by us and offered by this prospectus for sale, at the initial public offering price, to certain of our directors, officers and employees and friends and family members of certain of our directors, officers and employees. The number of shares of common stock available for sale to the general public will be reduced to the extent these individuals purchase such reserved shares. Any reserved shares that are not so purchased will be offered by the underwriters to the general public on the same basis as the other shares offered by this prospectus. Jefferies LLC will administer our directed share program. See &#8220;Underwriting &#8212; Directed Share Program.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">Listing </font>
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            <font style="letter-spacing:-0.038pt;">We have applied to list our common stock on the Nasdaq, under the symbol &#8220;JCAP.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">Risk factors </font>
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          <div style="margin-left:180pt; margin-top:-11.5pt; width:276pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">See &#8220;Risk Factors&#8221; beginning on page </font><font style="letter-spacing:-0.361pt;"><a href="#tRIFA">35</a></font><font style="letter-spacing:-0.038pt;"> for a discussion of factors you should carefully consider before deciding to invest in our common stock.</font>
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          <font style="letter-spacing:-0.342pt;">28</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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              <font style="letter-spacing:-0.038pt;">The number of shares of our common stock to be outstanding after this offering is based on </font><font style="letter-spacing:-0.361pt;">64,188,219 </font><font style="letter-spacing:-0.038pt;">shares of our common stock outstanding as of March&#160;31, 2025, after giving effect to the Reorganization, and based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus. Such number includes 6,558,98</font><font style="letter-spacing:-0.361pt;">3</font><font style="letter-spacing:-0.038pt;"> shares of restricted stock, which, based on an assumed initial public offering price of $16.00 per share, which is the midpoint of the price range set forth on the cover page of this prospectus, will be issued in respect of certain unvested profits interests held by executive officers, directors and employees that will be cancelled in connection with the Reorganization and this offering, and excludes:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.361pt;">457,544</font><font style="letter-spacing:-0.038pt;"> shares of our common stock issuable upon the exercise of stock options we expect to grant in connection with the Reorganization and this offering in respect of certain profits interests that are out-of-the-money at the initial public offering price, assuming an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus, to certain executive officers, directors and employees under our 2025 Incentive Award Plan (the &#8220;2025 Plan&#8221;), which will become effective in connection with this offering, at an exercise price equal to the distribution threshold of the out-of-the-money Class&#160;B Units multiplied by the exchange ratio</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">(or if greater, the initial public offering price per share of our common stock)</font><font style="letter-spacing:-0.361pt;">;</font><font style="letter-spacing:-0.038pt;"> and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.361pt;">5,961,278</font><font style="letter-spacing:-0.038pt;"> remaining shares of our common stock reserved for future issuance under our 2025 Plan (after giving effect to the issuance of the options described above). Such number also excludes any shares that become issuable pursuant to provisions in the 2025 Plan that automatically increase the share reserve under the 2025 Plan. See &#8220;The Reorganization&#8221; and &#8220;Executive Compensation</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Equity Compensation</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Class B Unit Grants.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Unless otherwise indicated, all information contained in this prospectus, including the number of shares of our common stock that will be outstanding after this offering, assumes or gives effect to:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the completion of the Reorganization;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the filing and effectiveness of our amended and restated certificate of incorporation and adoption of our amended and restated bylaws, each of which will occur immediately prior to the completion of this offering;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share of our common stock, which is the midpoint of the price range set forth on the cover page of this prospectus; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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              <font style="letter-spacing:-0.038pt;">no exercise by the underwriters of their option to purchase up to</font><font style="letter-spacing:-0.361pt;"> 1,500,000 </font><font style="letter-spacing:-0.038pt;">additional shares of our common stock from the selling stockholders. </font>
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          <font style="letter-spacing:-0.342pt;">29</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="text-transform:uppercase;letter-spacing:0.5pt;">Summary Consolidated Financial and Operating Information</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The following tables present our summary consolidated historical financial data as of and for the periods ended on the dates indicated below. The summary consolidated statements of operations data and cash flow data for the&#160;years ended December&#160;31, 2024 and 2023 and the summary consolidated balance sheet data as of December&#160;31, 2024 and 2023 are derived from our audited consolidated financial statements and related notes included elsewhere in this prospectus. The summary consolidated statements of operations data and cash flow data for the three months ended March&#160;31, 2025 and 2024 and the summary consolidated balance sheet data as of March&#160;31, 2025 are derived from our unaudited condensed consolidated financial statements and related notes included elsewhere in this prospectus. In our opinion, the unaudited condensed consolidated financial statements have been prepared on a basis consistent with our audited financial statements and contain all adjustments, consisting only of normal and recurring adjustments, necessary for a fair presentation of such interim financial statements. The summary consolidated statements of operations data and cash flow data for the&#160;years ended December&#160;31, 2022, 2021, 2020 and 2019 and summary consolidated balance sheet data as of December&#160;31, 2022, 2021, 2020 and 2019 are derived from our consolidated financial statements and related notes not included in this prospectus. The presentation of our consolidated historical financial data below includes the results of Canaccede Financial Group, which we acquired on March&#160;9, 2020, with an effective date of February&#160;29, 2020.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our historical results are not necessarily indicative of results that may be expected in the future. You should read these data together with our financial statements and related notes appearing elsewhere in this prospectus and the information in the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations.&#8221; </font>
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          <font style="letter-spacing:-0.342pt;">30</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">THREE MONTHS </font>
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                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">ENDED MARCH&#160;31,</font>
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                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">Year Ended December&#160;31, </font>
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                <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:131.8pt;text-align:left;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2025 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2023 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2022 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2021 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2020 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2.45pt 0pt;" colspan="4">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">2019 </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:6.99pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
                <td style="padding:0pt 0pt 0.5pt 0pt; width:131.8pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:2.257pt 0pt 2.453pt 0pt; width:0pt;text-align:center;" colspan="46">
                  <div style="white-space:nowrap; text-align:center;">
                    <font style="text-transform:uppercase;letter-spacing:0.35pt;">(in millions, except share and per share data)</font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:9.18pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
                <td style="border-bottom:1px solid #000000;padding:0.797pt 0pt 1.723pt 0pt; width:131.8pt;text-align:left;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">Consolidated Statements of Operations </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">Data</font><font style="font-weight:normal;text-transform:uppercase;font-family:Arial, Helvetica, sans-serif;letter-spacing:-0.266pt;">: </font>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 1.723pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #000000;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.263pt 0pt 2.097pt 0pt; width:131.8pt;text-align:left;">
                  <font style="letter-spacing:-0.032pt;">Revenues: </font>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.513pt 0pt 2.097pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Total portfolio revenue </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">142.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">91.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">395.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">293.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">235.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">209.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">178.0</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.513pt 0pt 2.097pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">130.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.503pt 0pt 2.107pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Credit card revenue </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">8.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #FFFFFF;padding:2.49pt 0pt 2.305pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Servicing revenue </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">10.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">6.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">29.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">20.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">23.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">12.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">13.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">9.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.253pt 0pt 2.107pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:16pt;">
                    <font style="letter-spacing:-0.032pt;">Total revenues </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">154.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">99.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">433.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">323.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">268.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">232.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">200.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.253pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">143.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #FFFFFF;padding:2.49pt 0pt 2.305pt 0pt; width:131.8pt;text-align:left;">
                  <div style="white-space:nowrap;">
                    <font style="letter-spacing:-0.032pt;">Provision for credit losses </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">0.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">3.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">3.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">3.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">8.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">15.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.49pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">8.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.253pt 0pt 2.107pt 0pt; width:131.8pt;text-align:left;">
                  <font style="letter-spacing:-0.032pt;">Operating expenses: </font>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.503pt 0pt 2.107pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Salaries and benefits </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.0</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">11.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">48.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">36.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">33.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">28.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">25.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">21.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.493pt 0pt 2.117pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Servicing expenses </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">42.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">31.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">130.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">101.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">88.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">93.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">82.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">58.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.493pt 0pt 2.117pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Depreciation and amortization </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.493pt 0pt 2.117pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Professional fees </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.493pt 0pt 2.117pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Canaccede exit consideration</font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">7.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.493pt 0pt 2.117pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #CCEEFF;padding:1.087pt 0pt 1.608pt 0pt; width:131.8pt;white-space:normal;text-align:left;">
                  <div style="margin-left:16pt; text-indent:-8pt; line-height:10.08pt; margin-bottom:-0.496666666666671pt;">
                    <font style="letter-spacing:-0.032pt;">Other selling, general and administrative </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">4.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">1.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">8.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">8.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">7.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">5.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">5.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.087pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">3.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #FFFFFF;padding:2.22pt 0pt 2.305pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:16pt;">
                    <font style="letter-spacing:-0.032pt;">Total operating expenses </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">65.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">47.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">209.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">155.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">138.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">135.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">120.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.22pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">86.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.233pt 0pt 2.127pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:24pt;">
                    <font style="letter-spacing:-0.032pt;">Net operating income </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">89.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">51.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">220.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">164.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">126.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">88.3</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">64.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.233pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.483pt 0pt 2.127pt 0pt; width:131.8pt;text-align:left;">
                  <font style="letter-spacing:-0.032pt;">Other income (expense): </font>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.483pt 0pt 2.127pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Interest expense </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(24.8<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(17.2<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(77.2<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(48.1<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(29.3<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(36.3<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(34.7<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.483pt 0pt 2.127pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(26.1<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:10.09pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #FFFFFF;padding:1.067pt 0pt 1.608pt 0pt; width:131.8pt;white-space:normal;text-align:left;">
                  <div style="margin-left:16pt; text-indent:-8pt; line-height:10.09pt; margin-bottom:-0.500000000000011pt;">
                    <font style="letter-spacing:-0.032pt;">Foreign exchange and other income (expense) </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">2.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(5.5<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">4.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(0.9<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(0.3<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.067pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #CCEEFF;padding:2.21pt 0pt 2.305pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:16pt;">
                    <font style="letter-spacing:-0.032pt;">Total other income (expense) </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(22.3<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(17.1<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(82.7<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(43.5<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(30.2<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(36.6<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(34.7<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.21pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(26.1<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.223pt 0pt 2.137pt 0pt; width:131.8pt;text-align:left;">
                  <div style="white-space:nowrap;">
                    <font style="letter-spacing:-0.032pt;">Income before income taxes </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">67.0</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">34.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">137.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">120.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">96.1</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">51.7</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">29.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.223pt 0pt 2.137pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">22.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #CCEEFF;padding:2.46pt 0pt 2.305pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Provision for income taxes </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(8.7<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(9.1<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(8.3<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(5.5<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(3.3<font style="position:absolute;">)</font></td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.46pt 0pt 2.305pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.213pt 0pt 2.147pt 0pt; width:131.8pt;text-align:left;">
                  <div style="white-space:nowrap;">
                    <font style="letter-spacing:-0.032pt;">Net income </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">64.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">32.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">128.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">111.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">87.8</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">46.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.213pt 0pt 2.147pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">22.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:1px solid #CCEEFF;padding:1.057pt 0pt 1.608pt 0pt; width:131.8pt;white-space:normal;text-align:left;">
                  <div style="margin-left:8pt; text-indent:-8pt; line-height:10.09pt; margin-bottom:-0.500000000000011pt;">
                    <font style="letter-spacing:-0.032pt;">Net income attributable to noncontrolling </font>
                    <br >
                    <font style="letter-spacing:-0.032pt;">interest </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
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                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
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                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
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                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
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                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:1.057pt 0pt 1.608pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
                <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:10.09pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:0.817pt 0pt 2.358pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt; text-indent:-8pt; line-height:10.08pt; margin-bottom:-0.49666666666668pt;">
                    <font style="letter-spacing:-0.032pt;">Net income attributable to Jefferson </font>
                    <br >
                    <font style="letter-spacing:-0.032pt;">Capital Holdings, LLC </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:27pt; text-align:right; white-space:nowrap;">64.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">32.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:27pt; text-align:right; white-space:nowrap;">128.9</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">111.5</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">87.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">46.2</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">26.6</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:0.817pt 0pt 1.608pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">22.4</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:1.713pt 0pt 2.147pt 0pt; width:131.8pt;text-align:left;">
                  <font style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.4pt;">Per Unit/Share Data</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(1)</font><font style="letter-spacing:-0.304pt;">: </font>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:10.09pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:1.057pt 0pt 1.433pt 0pt; width:131.8pt;white-space:normal;text-align:left;">
                  <div style="margin-left:8pt; text-indent:-8pt;">
                    <font style="letter-spacing:-0.032pt;">Pro&#160;forma net income per share attributable to common stockholders</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">&#65279;(2)</font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.463pt 0pt 2.147pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Basic </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.87</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.81</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.463pt 0pt 2.147pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Diluted </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.87</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.81</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:1.057pt 0pt 1.443pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt; text-indent:-8pt;">
                    <font style="letter-spacing:-0.032pt;">Pro&#160;forma weighted-average common </font>
                    <br >
                    <font style="letter-spacing:-0.032pt;">shares outstanding</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">&#65279;(2)</font>
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                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.463pt 0pt 2.147pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Basic </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">58,254,236</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">58,254,236</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.463pt 0pt 2.147pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Diluted </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">58,254,236</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">58,254,236</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:10.09pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:1.047pt 0pt 1.443pt 0pt; width:131.8pt;white-space:normal;text-align:left;">
                  <div style="margin-left:8pt; text-indent:-8pt;">
                    <font style="letter-spacing:-0.032pt;">Pro&#160;forma adjusted net income per share attributable to common stockholders</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">&#65279;(2)(3)</font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="padding:2.463pt 0pt 2.147pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Basic </font>
                  </div>
                </td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.85</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 2.147pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.16</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
                <td style="padding:0pt; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
              <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
                <td style="border-bottom:0.75pt solid #000000; ;padding:2.463pt 0pt 10.11pt 0pt; width:131.8pt;text-align:left;">
                  <div style="margin-left:8pt;">
                    <font style="letter-spacing:-0.032pt;">Diluted </font>
                  </div>
                </td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:2.463pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:27pt; text-align:right; white-space:nowrap;">0.85</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:2.463pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">$</td>
                <td style="padding:2.463pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:27pt; text-align:right; white-space:nowrap;">2.16</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
                <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
                <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
                <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.75pt;">&#8203;</td>
                <td colspan="3">&#8203;</td>
              </tr>
            </table>

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">The historical earnings per unit are not meaningful or comparable because, prior to the Reorganization, Jefferson Capital Holdings, LLC was a single member limited liability company. Accordingly, earnings per unit are not presented.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.89pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:4.89pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Pro&#160;forma net income per share attributable to common stockholders, pro&#160;forma weighted average common shares outstanding, and pro forma adjusted net income per share attributable to common stockholders each give effect to (i)&#160;the Reorganization and (ii) the sale by us of </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        </div>
        <div style="clear:both;font-size:0pt;">&#8203;</div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">31</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-bottom:12.13pt; margin-left:12pt;width:456pt;">

            <div style="margin-left:20pt; width:436pt; line-height:8.5pt;font-size:7pt;">
              <font style="letter-spacing:-0.266pt;">625,000 </font><font style="letter-spacing:-0.028pt;">shares of common stock in this offering at an assumed initial public offering price of $</font><font style="letter-spacing:-0.266pt;">16.00 </font><font style="letter-spacing:-0.028pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us, in each case as if such event had occurred on January&#160;1, 2024. See &#8220;Unaudited Pro Forma Consolidated Financial Information&#8221; for more information.</font><font style="letter-spacing:-0.266pt;"> </font><font style="letter-spacing:-0.028pt;">Contingent upon IPO, all unvested Class B units will be converted into 6,558,983 million unvested restricted shares at the IPO price, assumed here based on the midpoint of the range. Such unvested restricted shares have a time contingency that has not been met and are potentially dilutive</font><font style="letter-spacing:-0.266pt;">. T</font><font style="letter-spacing:-0.028pt;">herefore, these restricted shares are not included in either basic or diluted share counts.</font>
            </div>

          <div style=" float:left; line-height:8.3pt; margin-top:5.49pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:5.49pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Adjusted net income is calculated as net income, adjusted to exclude (i) net income attributable to noncontrolling interest; (ii) foreign exchange and other income (expense); (iii) stock-based compensation; (iv) Conn&#8217;s one-time items; (v) Canaccede exit consideration; and (vi)&#160;merger and acquisition and other one-time expenses. We present adjusted net income because we consider it an important supplemental measure of our operations and financial performance. For further information, see footnote (5) of &#8220;&#8212; Key Business Metrics and Non-GAAP Financial Measures&#8221; and the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Liquidity and Capital Resources.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <table style="width:456pt;margin-top:9.3pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
            <tr style="line-height:9.18pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:175.3pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">THREE MONTHS </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">ENDED MARCH&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">Year Ended December&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:175.3pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2023 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2022 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2021 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2020 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2019 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:175.3pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.953pt 0pt; width:0pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">(in millions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:2.763pt 0pt 2.597pt 0pt; width:175.3pt;text-align:left;">
                <font style="letter-spacing:0.4pt;">Consolidated Statements of Cash Flow Data</font><font style="font-weight:normal;font-family:Arial, Helvetica, sans-serif;letter-spacing:-0.304pt;">: </font>
              </td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:3.013pt 0pt 2.597pt 0pt; width:175.3pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.032pt;">Net cash provided by operating activities </font>
                </div>
              </td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">51.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">35.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">168.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">120.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">96.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">55.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">47.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">26.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:1.597pt 0pt 1.903pt 0pt; width:175.3pt;text-align:left;">
                <div style="margin-left:8pt; text-indent:-8pt;">
                  <font style="letter-spacing:-0.032pt;">Net cash provided by (used in) investing </font>
                  <br >
                  <font style="letter-spacing:-0.032pt;">activities </font>
                </div>
              </td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(56.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(65.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(542.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(403.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(139.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">75.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">15.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 1.903pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(69.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:3.003pt 0pt 2.607pt 0pt; width:175.3pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.032pt;">Net cash provided by financing activities </font>
                </div>
              </td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">25.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">388.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">289.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">28.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(149.0<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(20.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">41.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:1.597pt 0pt 10.11pt 0pt; width:175.3pt;text-align:left;">
                <div style="margin-left:8pt; text-indent:-8pt;">
                  <font style="letter-spacing:-0.032pt;">Exchange rate effects on cash balances </font>
                  <br >
                  <font style="letter-spacing:-0.032pt;">held in foreign currencies</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">(1.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:15.75pt; text-align:right; white-space:nowrap;">3.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:15.75pt; text-align:right; white-space:nowrap;">(1.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:15.75pt; text-align:right; white-space:nowrap;">(0.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:15.75pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.597pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>
          <table style="width:456pt;margin-top:8pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:150.5pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">As Of </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">MARCH 31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">As&#160;of December&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:150.5pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2022 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2021 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2020 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:150.5pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="40">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">(in millions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:150.5pt;text-align:left;">
                <font style="letter-spacing:0.475pt;">Consolidated Balance Sheet Data</font><font style="font-weight:normal;font-family:Arial, Helvetica, sans-serif;letter-spacing:-0.361pt;">: </font>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:150.5pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash </font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">30.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">38.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">20.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">15.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">30.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">48.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:150.5pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Investments in receivables, net </font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,561.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,497.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">984.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">580.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">459.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">544.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">472.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:150.5pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total assets </font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,715.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,654.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1,115.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">691.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">593.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">692.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">545.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:150.5pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Notes payable, net</font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,212.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,194.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">770.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">445.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">367.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">473.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">401.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:150.5pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total liabilities </font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,281.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,271.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">811.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">476.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">393.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">502.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">412.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:150.5pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total equity </font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">434.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">382.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">303.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">214.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">199.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">190.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">132.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:150.5pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Noncontrolling interest </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td colspan="3">&#8203;</td>
            </tr>
          </table>
          <div style="margin-top:11.99pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <font style="letter-spacing:0.475pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
            <tr style="line-height:9.18pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:133.78pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.057pt 0pt 2.223pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center; line-height:9.17pt;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">THREE MONTHS </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">ENDED MARCH&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.057pt 0pt 2.223pt 0pt; width:0pt;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">Year Ended December&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:133.78pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2023 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2022 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2021 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2020 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2019 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:133.78pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.953pt 0pt; width:0pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">(in millions, except for ratio data) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:2.763pt 0pt 2.597pt 0pt; width:133.78pt;text-align:left;">
                <font style="letter-spacing:-0.304pt;">ERC</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(1)</font>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">2,837.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">2,005.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">2,744.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">1,924.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">1,199.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">1,045.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">1,102.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
              <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">880.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:3.013pt 0pt 2.597pt 0pt; width:133.78pt;text-align:left;">
                <font style="letter-spacing:-0.032pt;">Deployments</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(2)</font>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">175.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">101.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">723.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">530.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">269.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">156.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">148.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">164.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:3.013pt 0pt 2.597pt 0pt; width:133.78pt;text-align:left;">
                <font style="letter-spacing:-0.032pt;">Collections</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(3)</font>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">260.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">127.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">584.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">431.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">382.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">449.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">381.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">226.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:3.013pt 0pt 2.597pt 0pt; width:133.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.032pt;">Net debt</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(4)</font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">1,197.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">801.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">1,172.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">766.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">441.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">361.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">442.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">400.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:3.013pt 0pt 2.597pt 0pt; width:133.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.032pt;">Net income </font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">64.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">32.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">128.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">111.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">87.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">46.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">26.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">22.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:3.003pt 0pt 2.607pt 0pt; width:133.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.032pt;">Adjusted net income</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(5)</font>
                </div>
              </td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">62.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">34.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">153.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">108.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">89.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">47.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">28.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">23.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:3.003pt 0pt 10.11pt 0pt; width:133.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.032pt;">Adjusted EBITDA</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(6)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:18pt; text-align:right; white-space:nowrap;">92.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:18pt; text-align:right; white-space:nowrap;">53.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:18pt; text-align:right; white-space:nowrap;">242.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:18pt; text-align:right; white-space:nowrap;">168.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:18pt; text-align:right; white-space:nowrap;">129.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:18pt; text-align:right; white-space:nowrap;">91.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:18pt; text-align:right; white-space:nowrap;">69.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.003pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">50.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>
        </div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">32</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-left:12pt;width:456pt;">
          <div style="width:456pt; line-height:8pt;font-style:italic;">Note: Effective January 1, 2022, Jefferson Capital Holdings, LLC prospectively adopted the following accounting standards: (i) ASU 2016-02, &#8220;Leases (Topic 842) Section A&#8201;&#8212;&#8201;Leases: Amendments to the FASB Account Standards Codification,&#8221; and (ii) ASC 326 &#8212; Financial Instruments &#8212; Credit Losses (&#8220;ASC 326&#8221;), commonly referred to as the Current Expected Credit Loss (&#8220;CECL&#8221;) standard. Due to the difference in standards, the financial data for the years ended December 31, 2024, 2023 and 2022 may not necessarily be comparable to the financial data for the years ended December 31, 2021, 2020 and 2019.<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font></div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.89pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:4.89pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">ERC refers to the undiscounted sum of all future projected collections on our owned finance receivables portfolios. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Estimated Remaining Collections.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:4.9pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">Deployments refers to all portfolios purchased in the ordinary course and excludes those added as a result of an acquisition of a company. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Deployments.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">Collections refers to collections on our owned finance receivables portfolios. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Collections.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">Net debt is calculated as total borrowings, adjusted to remove the contra-liability for unamortized debt issuance costs and subtract unrestricted cash. We present net debt because we consider it an important supplemental measure used for assessing our leverage. Our management believes net debt helps us provide enhanced period-to-period comparability of leverage and is useful to investors as other companies in our industry report similar financial measures. Net debt should not be considered as an alternative to total borrowings determined in accordance with GAAP. Our calculation of net debt may not be comparable to the calculation of similarly titled measures reported by other companies. Set forth below is a reconciliation of net debt, a non-GAAP financial measure, to total borrowings, the most directly comparable financial measure calculated and reported in accordance with GAAP. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Liquidity and Capital Resources.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <table style="width:456pt;margin-top:9.29999999999998pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
            <tr style="line-height:9.18pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:159.09pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">THREE MONTHS </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">ENDED MARCH 31,</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="34">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">Year Ended</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">December&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:159.09pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2023 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2022 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2021 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2020 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2019 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:159.09pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">($ in millions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:2.757pt 0pt 2.893pt 0pt; width:159.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.028pt;">Total borrowings </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1,212.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">795.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1,194.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">770.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">445.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">367.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">473.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.757pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">401.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.007pt 0pt 2.893pt 0pt; width:159.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.028pt;">Unamortized debt issuance costs </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">15.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">13.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">10.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">7.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">11.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.007pt 0pt 2.893pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3.01pt 0pt 2.95pt 0pt; width:159.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.028pt;">Unrestricted cash </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(27.0<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(10.8<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(35.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(14.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(11.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(17.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(35.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.01pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">(2.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:2.76pt 0pt 3.7pt 0pt; width:159.09pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Net debt </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1,197.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">801.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1,172.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">766.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">441.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">361.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">442.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.76pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">400.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
            </tr>
          </table>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(5)</font>
            <br >
          </div>
          <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">Adjusted net income is calculated as net income, adjusted to exclude (i)&#160;net income attributable to noncontrolling interest; (ii)&#160;foreign exchange and other income (expense); (iii)&#160;stock-based compensation; (iv) Conn&#8217;s one-time items; (v) Canaccede exit consideration; and (vi)&#160;merger and acquisition and other one-time expenses. We present adjusted net income because we consider it an important supplemental measure of our operations and financial performance. Our management believes adjusted net income helps us provide enhanced period-to-period comparability of operations and financial performance and is useful to investors as other companies in our industry report similar financial measures. Adjusted net income should not be considered as an alternative to net income determined in accordance with GAAP. Our calculation of adjusted net income may not be comparable to the calculation of similarly titled measures reported by other companies. Set forth below is a reconciliation of adjusted net income, a non-GAAP financial measure, to net income, the most directly comparable financial measure calculated and reported in accordance with GAAP. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Adjusted Net Income.&#8221; </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <table style="width:456pt;margin-top:9.30000000000001pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
            <tr style="line-height:9.18pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:193.98pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">THREE MONTHS </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">ENDED MARCH 31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">Year Ended December&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:193.98pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2023 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2022 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2021 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2020</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2019 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:193.98pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">(in millions) </font>
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              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:2.767pt 0pt 2.883pt 0pt; width:193.98pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.028pt;">Net income </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">64.2</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">32.9</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">128.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">111.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">87.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">46.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">26.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">22.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8.83pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:1.79pt 0pt 2.27pt 0pt; width:193.98pt;text-align:left;">
                <div style="margin-left:14pt; text-indent:-7pt;">
                  <font style="letter-spacing:-0.028pt;">Net income attributable to noncontrolling </font>
                  <br >
                  <font style="letter-spacing:-0.028pt;">interest </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.79pt 0pt 2.27pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.017pt 0pt 2.883pt 0pt; width:193.98pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Foreign exchange and other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">5.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(4.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.017pt 0pt 2.883pt 0pt; width:193.98pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Stock-based compensation </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">1.2</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.017pt 0pt 2.883pt 0pt; width:193.98pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:2.75pt;font-size:4.5pt;letter-spacing:-0.022pt;">(a)</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.027pt 0pt 2.873pt 0pt; width:193.98pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Canaccede exit consideration</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3.02pt 0pt 2.95pt 0pt; width:193.98pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:2.75pt;font-size:4.5pt;letter-spacing:-0.022pt;">(b)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">1.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:2.77pt 0pt 3.7pt 0pt; width:193.98pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.028pt;">Adjusted net income </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">62.9</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">34.2</td>
              <td style="padding:0pt;padding-left:0.895000000000001pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">153.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">108.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">89.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">47.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">28.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.77pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">23.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
            </tr>
          </table>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.022pt;">(a)</font>
            <br >
          </div>
          <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">Components include: (i) cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii) legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.022pt;">(b)</font>
            <br >
          </div>
          <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:5.5pt;">
            <font style=" position:relative; bottom:2.75pt;letter-spacing:-0.209pt;">(6)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:5.5pt;">
            <font style="font-size:7pt;letter-spacing:-0.028pt;">Adjusted EBITDA is calculated as net income, adjusted to exclude (i)&#160;net income attributable to noncontrolling interest; (ii)&#160;interest expense; </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        </div>
        <div style="clear:both;font-size:0pt;">&#8203;</div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">33</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;min-height:660pt;margin-left:12pt;width:456pt;">
          <div style="margin-left:20pt; width:436pt; line-height:8pt;">
            <font style="letter-spacing:-0.028pt;">(iii)&#160;foreign exchange and other income (expense); (iv)&#160;provision for income taxes; (v)&#160;depreciation and amortization; (vi)&#160;stock-based compensation; (vii) Conn&#8217;s one-time items; (viii) Canaccede exit consideration; and (ix)&#160;merger and acquisition and other one-time expenses. Adjusted EBITDA is a supplemental measure of performance that is not required by, or presented in accordance with, GAAP. We present adjusted EBITDA because we consider it an important supplemental measure of our operations and financial performance. Our management believes adjusted EBITDA helps us provide enhanced period-to-period comparability of operations and financial performance and is useful to investors as other companies in our industry report similar financial measures. Adjusted EBITDA should not be considered as an alternative to net income determined in accordance with GAAP. Our calculation of adjusted EBITDA may not be comparable to the calculation of similarly titled measures reported by other companies. Set forth below is a reconciliation of adjusted EBITDA, a non-GAAP financial measure, to net income, the most directly comparable financial measure calculated and reported in accordance with GAAP. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Adjusted EBITDA.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <table style="width:456pt;margin-top:9.3pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
            <tr style="line-height:9.18pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:210.7pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">THREE MONTHS </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">ENDED MARCH 31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:10.047pt 0pt 2.223pt 0pt; width:0pt;" colspan="34">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">Year Ended December&#160;31, </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:210.7pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2023 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2022 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2021 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2020</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.95pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">2019</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:210.7pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:2.757pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="46">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.35pt;">(in millions) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:2.767pt 0pt 2.883pt 0pt; width:210.7pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.028pt;">Net income </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">64.2</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">32.9</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">128.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">111.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">87.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">46.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">26.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.767pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">22.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.017pt 0pt 2.883pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Net income attributable to noncontrolling interest </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.017pt 0pt 2.883pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Interest expense </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">24.8</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">17.2</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">77.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">48.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">29.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">36.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">34.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">26.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.017pt 0pt 2.883pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Foreign exchange and other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">5.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">(4.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.017pt 0pt 2.883pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Provision for income taxes </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">2.7</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">1.9</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">8.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">9.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">8.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">5.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">3.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.017pt 0pt 2.883pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.027pt 0pt 2.873pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Depreciation and amortization </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">1.6</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">2.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">2.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">1.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.98999999999998pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.027pt 0pt 2.873pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Stock-based compensation </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">1.2</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.027pt 0pt 2.873pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:2.75pt;font-size:4.5pt;letter-spacing:-0.022pt;">(a)</font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:6.99000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:3.027pt 0pt 2.873pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Canaccede exit consideration</font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.027pt 0pt 2.873pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:3.02pt 0pt 2.95pt 0pt; width:210.7pt;text-align:left;">
                <div style="margin-left:7pt;">
                  <font style="letter-spacing:-0.028pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:2.75pt;font-size:4.5pt;letter-spacing:-0.022pt;">(b)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">1.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:2.25pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.95pt 0pt;border-bottom:1px solid #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:7pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
              <td style="padding:2.78pt 0pt 3.7pt 0pt; width:210.7pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.028pt;">Adjusted EBITDA </font>
                </div>
              </td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">92.0</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">53.9</td>
              <td style="padding:0pt;padding-left:1.645pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">242.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">168.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">129.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">91.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">69.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt; width:4.5pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:2.25pt; text-align:right; ">$</td>
              <td style="padding:2.78pt 0pt 2.95pt 0pt;border-bottom:3pt double #000000; min-width:9.75pt; text-align:right; white-space:nowrap;">50.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
            </tr>
          </table>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:3.21pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.022pt;">(a)</font>
            <br >
          </div>
          <div style=" margin-top:3.21pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;">
            <font style="letter-spacing:-0.028pt;">Components include: (i) cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii) legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:5.5pt;">
            <font style=" position:relative; bottom:2.75pt;letter-spacing:-0.022pt;">(b)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:5.5pt;">
            <font style="font-size:7pt;letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        </div>
        <div style="clear:both;font-size:0pt;">&#8203;</div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">&#160;</font>
            <br >
          </div>
        </div>
      </div>
      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">34</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tRIFA">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">RISK FACTORS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:11.5pt;font-style:italic;">An investment in our common stock involves a high degree of risk. You should carefully consider the risks described below, together with the information in &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations,&#8221; our financial statements and the related notes and the other information contained in this prospectus before you decide whether to buy our common stock. If any of the events contemplated by the following discussion of risks should occur, our business, financial condition and results of operations could be materially and adversely affected. As a result, the market price of our common stock could decline, and you may lose all or part of the money you paid to buy our common stock. Additional risks and uncertainties not presently known to us or that we currently deem immaterial also may impair our business operations. See &#8220;Cautionary Note Regarding Forward-Looking Statements&#8221; and elsewhere in this prospectus.<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Risks Related to our Business</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">A deterioration in the economic or inflationary environment in the countries in which we operate could have an adverse effect on our business and results of operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Our performance may be adversely affected by economic, political or inflationary conditions in any market in which we operate. These conditions could include regulatory developments, changes in global or domestic economic policy, legislative changes, and sovereign debt crises. Deterioration in economic conditions, or a significant rise in inflation or high level of sustained inflation could negatively affect the ability of consumers to pay their debts and could reduce the real value of our purchased receivables. This may in turn adversely impact our business and financial results.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">If global credit market conditions and the stability of global banks deteriorate, the amount of consumer or commercial lending and financing could be reduced, thus reducing the volume of nonperforming loans available for purchase, which could adversely affect our business, financial results and ability to succeed in the markets in which we operate. Uncertainty about future economic conditions, including the possibility of a recession, a disease outbreak and impacts from wars, such as in Ukraine and in the Middle East makes it difficult for us to forecast operating results and to make decisions about future investments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Other economic factors that could influence our performance include the financial stability of the lenders on our Revolving Credit Facility (as defined herein) and our access to capital and credit. For example, deterioration in the financial markets could contribute to the insolvency of lending institutions, notably those providing our Revolving Credit Facility, or the tightening of credit markets, which could make it difficult or impossible for us to obtain credit on favorable terms or at all. These and other economic factors could have an adverse effect on our financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">We may not be able to continually replace our nonperforming loans with additional portfolios sufficient to operate efficiently and profitably, and/or we may not be able to purchase nonperforming loans at appropriate prices.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">To operate profitably, we must purchase and service a sufficient amount of nonperforming loans to generate revenue that exceeds our expenses. Salaries and other compensation expense constitute a significant portion of our operating expenses and, if we do not replace the nonperforming loan portfolios we service with additional portfolios, we may have to reduce the number of our collection and other administrative personnel. We may then have to rehire staff if we subsequently obtain additional portfolios. These practices could lead to negative consequences, including the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">low employee morale;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">fewer experienced employees;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">higher training costs;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">disruptions in our operations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">loss of efficiency; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">excess costs associated with unused space in our facilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The availability of nonperforming loan portfolios at prices that generate an appropriate return on our investment depends on a number of factors, including the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">consumer debt levels;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">35</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">sales of nonperforming loan portfolios by credit originators; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">competitive factors affecting potential purchasers and credit originators of receivables.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Furthermore, heightened regulation of the credit card and consumer lending industry or changing credit origination strategies may result in decreased availability of credit to consumers, potentially leading to a future reduction in nonperforming loans available for purchase from credit originators. We cannot predict how our ability to identify and purchase nonperforming loans and the quality of those nonperforming loans would be affected if there were a shift in lending practices, whether caused by changes in the regulations or accounting practices applicable to credit originators or purchasers, a sustained economic downturn or otherwise.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Moreover, there can be no assurance that credit originators will continue to sell their nonperforming loans consistent with historical levels or at all, or that we will be able to bid competitively for those portfolios. For the period beginning January 1, 2022 and ending March&#160;31, 2025, excluding the Conn&#8217;s Portfolio Purchase, our top five counterparties accounted for 33.8% of purchases with the top counterparty accounting for 8.8% of total purchase volume for that period. As a substantial percentage of our purchases are concentrated with a few large sellers, a significant decrease in the volume of nonperforming loan purchases from any of these large sellers could force us to seek to source nonperforming loan portfolios from other existing or new clients, which could cost time and additional resources and adversely impact our business. In addition, because of the length of time involved in collecting on acquired portfolios and the variability in the timing of our collections, we may not be able to identify trends and make changes in our purchasing strategies in a timely manner. If we are unable to maintain our business or adapt to changing market needs as well as our current or future competitors, we may experience reduced access to nonperforming loan portfolios at appropriate prices and, therefore, reduced profitability.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">We may not be able to collect sufficient amounts on our nonperforming loans to fund our operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our principal business consists of purchasing and collecting nonperforming loans that consumers or others have failed to pay. The credit originators have typically made numerous attempts to recover on their receivables, often using a combination of in-house recovery efforts and third-party collection agencies. These nonperforming loans are difficult to collect, and we may not collect a sufficient amount to cover our investment and the costs of running our business. Furthermore, if the statistical and behavioral models we use to prepare financial projections and make business decisions are inaccurate, we may acquire nonperforming loan portfolios that ultimately prove to be unprofitable. Moreover, if we experience operational issues in making collections on our nonperforming loan portfolios, we may incur losses on portfolios that would have otherwise been profitable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Our collections may decrease if certain types of insolvency proceedings and bankruptcy filings involving liquidations increase.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Various economic trends and potential changes to existing legislation may contribute to an increase in the amount of personal bankruptcy and insolvency filings. Under certain of these filings, a debtor&#8217;s assets may be sold to repay creditors, but because most of the receivables we collect through our collection operations are unsecured, we typically would not be able to collect on those receivables. Although our insolvency collections business could benefit from an increase in personal bankruptcies and insolvencies, we cannot ensure that our collections operations business would not decline with an increase in personal insolvencies or bankruptcy filings or changes in related regulations or practices. If our actual collection experience with respect to a nonperforming or insolvent bankrupt receivables portfolio is significantly lower than the total amount we projected when we acquired the portfolio, our financial condition and results of operations could be adversely impacted.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Obligors of the nonperforming loans that we have purchased and attempt to collect on may have sought, or in the future may seek, protection under federal or state bankruptcy or debtor relief laws. If an obligor seeks protection under federal or state bankruptcy or debtor relief laws, or has become the subject of an involuntary bankruptcy petition, a stay will go into effect that will automatically put any pending collection actions on the related receivable on hold and prevent further collection action absent bankruptcy court approval, and a court could reduce, restructure or discharge completely such obligor&#8217;s obligations to make payments due under its contract. Federal bankruptcy and state debtor relief and collection laws may also affect the ability to collect outstanding balances owed by debtors. As a result, all or a portion of the related receivable would be written off as uncollectible and our financial condition and results of operations could be adversely impacted.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">36</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:10.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">We outsource and offshore certain activities related to our business to third parties. Any disruption or failure of these third parties to provide these services could adversely affect our business operations, financial condition and reputation.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We use third parties to conduct collection and other activities through outsourcing and offshoring. These third parties include law firms, collection agencies, data providers, tracing service providers, business process outsourcing and information technology firms. One or more of these third parties could fail to meet its obligations and service level expectations, become insolvent or cease operations, which could adversely impact our business operations and financial condition. Furthermore, we may not be able to find alternative third parties in a timely manner on terms that are acceptable to us or because of contractual restrictions that limit our flexibility in responding to disruptions at these vendors, resulting in operational inefficiencies. If any of these third-party service providers violate laws, regulatory requirements, contractual obligations, or act inappropriately in the conduct of their business, our operations and reputation could be negatively impacted and result in regulatory fines and penalties. Any of these factors could cause our business, financial condition, results of operations and reputation to be adversely affected.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Disruptions at our co-sourced operation in Mumbai could adversely impact our business.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our co-sourced operation in Mumbai, India provides critical support within our voluntary collection channel. If our operations at our co-sourced operation are disrupted, whether due to malevolent acts, computer viruses, strikes, wars, terrorism, other geopolitical unrest, climate change, natural disasters, power or telecommunications failures, or other external events beyond our control, it could result in interruptions in service to our customers, damage to our reputation, harm to our customer relationships, and reduced revenues and profitability. Our operation in Mumbai may be more exposed to certain geopolitical and other risks than the voluntary collection channel that we operate and maintain in other markets. Should our Mumbai operation be disrupted, there is no guarantee that we could transition our servicing back to our domestic operations or to external resources without the disruption significantly impacting our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Goodwill impairment charges could negatively impact our net income and stockholders&#8217; equity.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have recorded goodwill as a result of our acquisitions. Goodwill is not amortized, but rather, is tested for impairment at the reporting unit level. Goodwill is required to be tested for impairment annually and between annual tests if events or circumstances indicate that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. There are numerous risks that may cause the fair value of a reporting unit to fall below its carrying amount, which could lead to the recognition of a goodwill impairment charge. These risks include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">adverse changes in macroeconomic conditions, the business climate, or the market for the entity&#8217;s products or services;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">significant variances between actual and expected financial results;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">negative or declining cash flows;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">lowered expectations of future results;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">failure to realize anticipated synergies from acquisitions;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">significant expense increases;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">a more likely-than-not expectation of selling or disposing all, or a portion of, a reporting unit;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the loss of key personnel;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">an adverse action or assessment by a regulator; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">significant increase in discount rates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our goodwill impairment testing involves the use of estimates and the exercise of judgment, including judgments regarding expected future business performance and market conditions. Significant changes in our assessment of such factors, including the deterioration of market conditions, could affect our assessment of the fair value of one or more of our reporting&#160;units and could result in a goodwill impairment charge in a future period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Our loss contingency accruals may not be adequate to cover actual losses.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We are involved in judicial, regulatory and arbitration proceedings or investigations concerning matters arising from our business activities. We establish accruals for potential liability arising from legal proceedings when </font>
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          <font style="letter-spacing:-0.342pt;">37</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">it is probable that such liability has been incurred and the amount of the loss can be reasonably estimated. However, there can be no assurance as to the ultimate outcome. We may still incur legal costs for a matter even if we have not accrued a liability. In addition, actual losses may be higher than the amount accrued for a certain matter, or in the aggregate. An unfavorable resolution of a legal proceeding or claim could adversely impact our business, financial condition, results of operations, or liquidity.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Solicitors of Moriarty, our wholly-owned law firm subsidiary in the United Kingdom, could act outside our interests and/or regulatory bodies to which such law firm subsidiary and its solicitors are subject could take enforcement action or impose sanctions that could impact our business, financial condition and results of operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Moriarty, our wholly-owned law firm subsidiary in the United Kingdom that specializes in debt collections, is regulated by the SRA (as defined herein), which is responsible for regulating the professional conduct of solicitors and other authorized individuals at law firms in England and Wales. Pursuant to the Code of Conduct of the SRA, which contains the ethical principles that guide solicitors in their work and which apply to all of our solicitors and govern the responsibilities owed to clients by licensed solicitors, the solicitors of Moriarty must place the interests of their clients as their first priority, including the interests of the external clients they continue to serve. It is possible that these duties may lead to decisions that are not in our financial interest and which limit short-term financial gain, which may adversely affect our results of operations. In addition, under these ethical requirements of the legal profession, for Moriarty&#8217;s external cases, we will have no right to, and will not make decisions with respect to, the conduct or direction of any particular legal claim or any settlement or resolution thereof. The right to make such decisions remains solely with the client and his or her Moriarty solicitor.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">It is possible that external clients might sue for malpractice or make claims against Moriarty. Because Moriarty is governed by the rules of the SRA, the SRA retains the ultimate discretion to impose economic sanctions in England and Wales.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Our expected collections from the Conn&#8217;s Portfolio Purchase may not be realized, or our expenses from the FTE that were formerly employed by Conn&#8217;s may be higher than we anticipated, which may adversely impact our financial results.</font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Our ability to realize the anticipated benefits of the Conn&#8217;s Portfolio Purchase depends on our ability to collect the unsecuritized loans and credit card receivables we acquired. The portfolios acquired could underperform relative to our expectations or not perform in accordance with our anticipated timetable, either of which could result in an impairment charge. We may also find that the operating expenses we incur to make our expected collections of the Conn&#8217;s Portfolios exceed our forecast. We could experience higher expenses than we anticipate from the 197 FTE we hired from Conn&#8217;s, should we encounter difficulties integrating these FTEs into our workforce, as well as from the vendor contracts we entered into or from the new operating site in San Antonio, Texas. Any one of these factors could adversely impact our financial results.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Risks Related to Our International Operations</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Our international operations expose us to risks, which could harm our business, financial condition and results of operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">A portion of our operations is conducted outside the United States. This could expose us to adverse economic, industry and political conditions that may have a negative impact on our ability to manage our existing operations or pursue alternative strategic transactions, which could have a negative effect on our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The global nature of our operations expands the risks and uncertainties described elsewhere in this section, including the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">changes in local political, economic, social and labor conditions in the markets in which we operate;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">foreign exchange controls on currency conversion and the transfer of funds that might prevent us from repatriating cash earned in countries outside the United States in a tax-efficient manner;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">currency exchange rate fluctuations, currency restructurings, inflation or deflation and our ability to manage these fluctuations through a foreign exchange risk management program;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">different employee/employer relationships, laws and regulations, union recognition and the existence of employment tribunals and works councils;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">38</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:-0.038pt;">laws and regulations imposed by international governments, including those governing data security, sharing and transfer and debt collection activities;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">potentially adverse tax consequences resulting from changes in tax laws in the jurisdictions in which we operate or challenges to our interpretations and application of complex international tax laws;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">logistical, communications and other challenges caused by distance and cultural and language differences, each making it harder to do business in certain jurisdictions;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">volatility of global credit markets and the availability of consumer credit and financing in our international markets;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">uncertainty as to the enforceability of contract rights under local laws;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">the potential of forced nationalization of certain industries, or the impact on creditors&#8217; rights, consumer disposable income levels, flexibility and availability of consumer credit and the ability to enforce and collect aged or charged-off debts stemming from international governmental actions, whether through austerity or stimulus measures or initiatives, intended to control or influence macroeconomic factors such as wages, unemployment, national output or consumption, inflation, investment, credit, finance, taxation or other economic drivers;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the presence of varying levels of business corruption in international markets and the effect of various anti-corruption and other laws on our international operations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the impact on our day-to-day operations and our ability to staff our international operations given long-term trends towards higher wages in developed and emerging international markets as well as the potential impact of union organizing efforts;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">the potential for a widening military conflict in Europe and in the Middle East;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">potential damage to our reputation due to non-compliance with international and local laws; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the complexity and necessity of using non-U.S. representatives, consultants and other third-party vendors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Any one of these factors could adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">We may experience losses on portfolios consisting of new asset classes of receivables or receivables in new geographies due to our lack of collection experience with these receivables, which could harm our business, financial condition and results of operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We continually evaluate opportunities to expand the asset classes we acquire. We may sometimes evaluate and may acquire portfolios consisting of assets with which we have little or no collection experience or portfolios of receivables in new geographies where we do not historically maintain an operational footprint. While we typically look to mitigate risks from this approach, including by partnering with an operator with the requisite experience and the right alignment, or by limiting purchases made without strong historical experience to a relatively small proportion of our annual deployments, our lack of experience in new asset classes or geographies may negatively impact our ability to generate our expected level of profits from these portfolios. Further, our existing methods of collections may prove less effective than we expect for these new receivables, which may have an adverse effect on our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Compliance with complex and evolving international and U.S. laws and regulations that apply to our international operations could increase our cost of doing business in international jurisdictions.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We operate on a global basis with offices and activities in a number of jurisdictions throughout the United States, Canada, the United Kingdom and Latin America. We face increased exposure to risks inherent in conducting business internationally, including compliance with complex international and U.S. laws and regulations that apply to our international operations, which could increase our cost of doing business in international jurisdictions. These laws and regulations include those related to taxation and anti-corruption laws such as the FCPA and the U.K. Bribery Act, and economic and trade sanctions laws and regulations, such as those administered and enforced by the U.S. Department of Treasury&#8217;s Office of Foreign Assets Control (&#8220;OFAC&#8221;), the U.S. Department of State, the U.S. Department of Commerce, the United Nations Security Council, and other relevant sanctions authorities. Given the complexity of these laws, there is a risk that we may inadvertently breach certain provisions of these laws, such as through the negligent behavior of an employee </font>
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          <font style="letter-spacing:-0.038pt;">or our failure to comply with certain formal documentation requirements. Violations of these laws and regulations by us, any of our employees or our third-party vendors, either inadvertently or intentionally, could result in fines and penalties, criminal sanctions, restrictions on our operations and ability to offer our products and services in one or more countries. Violations of these laws could also adversely affect our business, brand, international expansion efforts, ability to attract and retain employees and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Additionally, pending international regulations, such as the EU Directive (2021/2167) on Credit Servicers and Credit Purchasers, could adversely affect our operations in Europe. The Organization for Economic Co-operation and Development (&#8220;OECD&#8221;) recently issued Pillar Two model rules with the aim of ensuring that multinational enterprises pay a 15% effective tax rate in each jurisdiction. The European Union adopted the OECD Pillar Two Directive effective January&#160;1, 2024. Based on the applicability threshold, we do not believe Pillar Two will be applicable to us; however, we are still monitoring the enactment of Pillar Two legislation in EU&#160;countries and elsewhere (including Canada, which similarly enacted its Pillar Two legislation effective January&#160;1, 2024) to determine the potential impact on our financial results as well as monitoring U.S.&#160;amendments to the U.S. global intangible low-tax income rules to determine any potential impact on our financial results and our U.S. and international exposure related to income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Evolving regulation, particularly in Latin America, where the regulatory environment is less restrictive with respect to the use of certain new technologies and where we test new collection capabilities before broader adoption across our business, could adversely affect our business, financial condition and results of operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our operations in Latin America are subject to various laws and regulations that govern debt collection practices. Currently, these jurisdictions have regulatory environments that are less restrictive with respect to the use of certain new technologies compared to other regions where we operate. This regulatory landscape currently allows for the development and testing of innovative collection capabilities, including the use of artificial intelligence (&#8220;AI&#8221;). Although not currently introduced outside of Latin America, we can introduce in other jurisdictions these AI collection capabilities found to be effective.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">There is a risk that regulatory regimes in Latin America may change in the future and impose greater restrictions on the use of new technologies, including through increased restrictions on debt collection practices and enhanced consumer protection laws. If such changes were to occur, they could require us to modify our business practices, incur additional compliance costs, or limit our ability to operate as effectively across jurisdictions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Risks Related to Government Regulation and Litigation</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Our ability to collect and enforce our nonperforming and performing loans may be limited under federal, state and international laws, regulations and policies.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our operations are subject to licensing and regulation by governmental and regulatory bodies in the many jurisdictions in which we operate. U.S. federal, state and local laws and regulations, and the laws and regulations of the international countries in which we operate, may limit our ability to collect on and enforce our rights with respect to our nonperforming and performing loans and may hinder portfolio purchases such as the Conn&#8217;s Portfolio Purchase, regardless of any act or omission on our part. Some laws and regulations applicable to credit issuers may preclude us from collecting on nonperforming and performing loans we acquire if the credit issuer previously failed to comply with applicable laws in generating or servicing those receivables. Collection laws and regulations also directly apply to our business. Such laws and regulations are extensive and subject to change. A variety of state, federal and international laws and regulations govern the collection, use, retention, transmission, sharing and security of consumer data. Consumer protection and privacy protection laws, changes in the ways that existing rules or laws are interpreted or enforced and any procedures that may be implemented as a result of regulatory consent orders may adversely affect our ability to collect on our nonperforming loans and adversely affect our business. Our failure to comply with laws or regulations applicable to us could limit our ability to collect on our receivables, which could reduce our profitability and adversely affect our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Failure to comply with government regulation of the collections industry could result in penalties, fines, litigation, damage to our reputation or the suspension or termination of our ability to conduct our business.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The collections industry throughout the markets in which we operate is governed by various laws and regulations, many of which require us to be a licensed debt collector. Our industry is also at times investigated by regulators and offices of state attorneys general, and subpoenas and other requests or demands for </font>
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          <font style="letter-spacing:-0.038pt;">information may be issued by governmental authorities who are investigating debt collection activities. These investigations may result in enforcement actions, fines and penalties, or the assertion of private claims and lawsuits. If any such investigations result in findings that we or our vendors have failed to comply with applicable laws and regulations, we could be subject to penalties, litigation losses and expenses, damage to our reputation, or the suspension or termination of, or required modification to, our ability to conduct collections, which would adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In a number of jurisdictions, we must maintain licenses to purchase or own debt, and/or to perform debt recovery services and must satisfy related bonding requirements. Our failure to comply with existing licensing requirements, changing interpretations of existing requirements, or adoption of new licensing requirements, could restrict our ability to collect in certain jurisdictions, subject us to increased regulation, increase our costs or adversely affect our ability to purchase, own and/or collect our receivables.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Some laws, among other things, also may limit the interest rate and fees that we may impose on consumers, limit the time in which we may file legal actions to enforce consumer accounts and require specific account information for certain collection activities. In addition, local requirements and court rulings in various jurisdictions may affect our ability to collect.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Regulations and statutes applicable to our industry further provide that, in some cases, consumers cannot be held liable for, or their liability may be limited with respect to, charges to their debit or credit card accounts that resulted from unauthorized use of their credit. These laws, among others, may limit our ability to recover amounts owing with respect to the receivables, whether or not we committed any wrongful act or omission in connection with the account.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In the United States and certain other jurisdictions we are subject to laws and regulations that broadly prohibit unfair competition and unfair, deceptive and abusive acts and practices. These consumer-focused regulations impose requirements on the way we operate our business and could restrict our ability to collect in certain jurisdictions, subject us to increased regulation, increase our costs or adversely affect our ability to purchase, own and/or collect our receivables.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">If we fail to comply with any applicable laws and regulations discussed above, such failure could result in penalties, litigation losses and expenses, damage to our reputation, or otherwise impact our ability to conduct collections efforts, which could adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Investigations, reviews or enforcement actions by governmental authorities may result in changes to our business practices; negatively impact our deployment volume; make collection of receivables more difficult; or expose us to the risk of fines, penalties, restitution payments and litigation.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our debt collection activities and business practices are subject to review from time to time by various governmental authorities and regulators, including the CFPB, which may commence investigations, reviews or enforcement actions targeted at businesses in the financial services industry. These investigations or reviews may involve individual consumer complaints or our debt collection policies and practices generally. Such investigations or reviews could lead to assertions by governmental authorities that we are not complying with applicable laws or regulations. In such circumstances, authorities may request or seek to impose a range of remedies that could involve potential compensatory or punitive damage claims, fines, restitution payments, sanctions or injunctive relief, that if agreed to or granted, could require us to make payments or incur other expenditures. The CFPB has the authority to obtain cease and desist orders (which can include orders for restitution or rescission of contracts, as well as other kinds of affirmative relief), recover costs, and impose monetary penalties (ranging from $5,000 per day to over $1&#160;million per day, depending on the nature and gravity of the violation). In addition, where a company has violated Title X of the Dodd-Frank Act or CFPB regulations implemented thereunder, the Dodd-Frank Act empowers state attorneys general and other state regulators to bring civil actions to remedy violations under state law. Governmental authorities could also request or seek to require us to cease certain practices or institute new practices. Negative publicity relating to investigations or proceedings brought by governmental authorities could have an adverse impact on our reputation, harm our ability to conduct business with industry participants, and result in financial institutions reducing or eliminating sales of receivables portfolios to us. Moreover, changing or modifying our internal policies or procedures, responding to governmental inquiries and investigations and defending lawsuits or other proceedings could require significant efforts on the part of management and result in increased costs to </font>
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          <font style="letter-spacing:-0.038pt;">our business. In addition, such efforts could divert management&#8217;s full attention from our business operations. All of these factors could have an adverse effect on our business, financial condition and results of operations. </font>
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          <font style="letter-spacing:0.475pt;">Changes in tax provisions or exposures to additional tax liabilities could have an adverse tax effect on our financial condition.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our tax filings are subject to audit by domestic and international tax authorities. If our tax filing positions are successfully challenged, payments could be required that are in excess of reserved amounts or we may be required to reduce the carrying amount of our net deferred tax asset, either of which could be significant to our financial condition or results of operations. Although we believe our estimates are reasonable, the ultimate tax outcome may differ from the amounts recorded in our financial statements and may adversely or beneficially affect our financial results in the period(s) for which such determination is made.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Recent changes in U.S. trade policy could have an adverse effect on our business, financial condition and results of operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The U.S. government has made significant changes in U.S. trade policy and has taken certain actions that have negatively impacted U.S. trade, including imposing tariffs on certain goods imported into the United&#160;States. For example, in March 2025, the Trump administration implemented a 25% additional tariff on imports from Canada and Mexico, which have since been paused, and a 10% additional tariff on imports from China, which has since been increased. To date, several governments, including those of Canada, Mexico, the European Union and China have imposed tariffs on certain goods imported from the United States. The Trump administration has since that date implemented, and it is possible it will continue to implement, additional tariffs on imports from the same or other countries and such countries will implement reciprocal tariffs on imports from the United States. Any further changes in U.S. or international trade policy could trigger additional retaliatory actions by affected countries, resulting in &#8220;trade wars&#8221; that could indirectly affect service businesses involved in debt purchasing and collections on charged-off consumer accounts. While these tariffs primarily target goods, and the accounts we purchase would not be covered, the broader economic implications may influence consumer behavior and financial stability, thereby impacting the debt purchasing and collection industries. Potential impacts include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">higher prices for imported goods, contributing to inflation and reducing consumers&#8217; disposable income, which may result in higher delinquency rates on performing loans or lower liquidation rates on non-performing loans as individuals have less disposable income to meet their debt obligations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">rising default rates on loans and credit accounts, which could lead to a larger volume of charged-off accounts entering the market, potentially increasing deployment opportunities for debt purchasers;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">lenders adopting more stringent credit policies, which could reduce the issuance of new credit, thereby affecting the flow of accounts that debt purchasers typically acquire, or influence lenders&#8217; strategies regarding debt sales and collections as they prepare for potential loan defaults amid declining revenues; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">increased volatility in capital markets, such as the rise of borrowing costs since April 2, 2025, which may impact the ability to secure financing for purchasing portfolios.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">While the tariffs are not expected to directly impact the debt purchasing business, their potential ripple effects through the economy, such as heightened consumer financial stress, increased default rates and market volatility, could have an adverse effect on our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Risks Related to Information Technology, Cybersecurity and Intellectual Property</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.475pt;">The regulation of data privacy in the United States and globally, or an inability to effectively manage our data governance structures, could have an adverse effect on our business, financial condition and results of operations by increasing our compliance costs or decreasing our competitiveness.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">A variety of jurisdictions in which we operate have laws and regulations concerning, privacy, cybersecurity, and the protection of personal data, including the EU GDPR, the U.K. GDPR, the U.S. GLBA, and the California Consumer Privacy Act of 2018, each as defined herein. These laws and regulations create certain privacy rights for individuals and impose prescriptive operational requirements for covered businesses relating to the processing and protection of personal data and may also impose substantial penalties for non-compliance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, laws and regulations relating to privacy, cybersecurity and data protection are quickly evolving, and any such proposed or new legal frameworks could significantly impact our operations, financial performance and business. The application and enforcement of these evolving legal requirements is uncertain and may require us to further change or update our information practices, and could impose additional compliance costs and regulatory scrutiny. If we fail to effectively implement and maintain data governance structures across our business, or to effectively interpret and utilize such data, our operations could be exposed to additional adverse impacts, and we could be at a competitive disadvantage.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We may incur significant costs complying with legal obligations and inquiries, investigations or any other government actions related to privacy, cybersecurity, and data protection. Such legal requirements and government actions also may impede our development of new products, services, or businesses, make existing products, services, or businesses unprofitable, increase our operating costs, require substantial management resources, result in adverse publicity and subject us to remedies that harm our business or profitability, including penalties or orders that we may change or terminate current business practices. Our insurance policies may be insufficient to insure us against such risks, and future escalations in premiums and deductibles under these policies may render them uneconomical.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">We are dependent on our data gathering systems and proprietary consumer profiles, and if access to such data was lost or became public, our business could be materially and adversely affected.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our models and consumer databases provide information that is critical to our business. We rely on data provided to us by multiple credit reference agencies, our servicing partners and other sources in order to operate our systems, develop our proprietary consumer profiles and run our business generally. If these credit reference agencies were to terminate their agreements or stop providing us with data for any reason, for example, due to a change in governmental regulation, or if they were to considerably raise the price of their services, our business could be materially and adversely affected. Also, if any of the proprietary information or data that we use became public, for example, due to a change in government regulations, we could lose a significant competitive advantage and our business could be negatively impacted.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">If we become unable to continue to acquire or use information and data in the manner in which it is currently acquired and used, or if we were prohibited from accessing or aggregating the data in these systems or profiles for any reason, we may lose a significant competitive advantage, in particular if our competitors continue to be able to acquire and use such data, and our business could be materially and adversely affected. </font>
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          <font style="letter-spacing:0.475pt;">A cybersecurity incident could damage our reputation and adversely impact our business and financial results.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our business is highly dependent on our ability to process and monitor a large number of transactions across markets and in multiple currencies. We rely on information technology systems to conduct our business, including systems developed and administered by third parties. Many of these systems contain sensitive and confidential information, including personal data, our trade secrets and proprietary business information, and information and materials owned by or pertaining to our customers, vendors and business partners. The secure maintenance of this information, and the information technology systems on which they reside, is critical to our business strategy as well as our operations and financial performance. As we expand geographically, and our reliance on information technology systems increases, maintaining the security of such systems and our data becomes more significant and challenging.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Although we take a number of steps to protect our information technology systems, the attacks that companies have experienced have increased in number, sophistication and complexity over the past few&#160;years, including threats from the malicious use of new AI tools.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Accordingly, we may suffer data security incidents or other cybersecurity incidents, which could compromise our systems and networks, creating system disruptions and exploiting vulnerabilities in our products and services. Any such breach or other incident also could result in the personal data or other confidential or proprietary information stored on our systems and networks, or our vendors&#8217; systems and networks, being improperly accessed, acquired or modified, publicly disclosed, lost, or stolen, which could subject us to liability to our customers, vendors, business partners and others. We seek to detect and investigate such incidents and to prevent their recurrence where practicable through preventive and remedial measures, but such measures may not be successful.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Should a cybersecurity incident occur, we may be required to expend significant resources to notify affected parties, modify our protective measures or investigate and remediate vulnerabilities or other exposures. In addition, our remediation efforts may not be successful. Further, such cybersecurity events could cause reputational damage and subject us to fines, penalties, litigation costs and settlements and financial losses that may not be fully covered by our cybersecurity insurance. To date, disruptions to our information technology systems, due to outages, security breaches or other causes, including cybersecurity incidents have not had a material impact on our business. However, any such disruption could have significant consequences for our business, including financial loss and reputational damage.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">The underperformance or failure of our information technology infrastructure, networks or communication systems could result in a loss in productivity, loss of competitive advantage and business disruption.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We depend on effective information and communication systems to operate our business. We have also acquired and expect to acquire additional systems as a result of business acquisitions. Significant resources are required to maintain or enhance our existing information and telephone systems and to replace obsolete systems. Although we periodically upgrade, streamline, and integrate our systems and have invested in strategies to prevent a failure, our systems are susceptible to outages due to natural disasters, power loss, computer viruses, security breaches, hardware or software vulnerabilities, disruptions, and similar events. Failure to adequately implement or maintain effective and efficient information systems with sufficiently advanced technological capabilities, or our failure to efficiently and effectively consolidate our information systems to eliminate redundant or obsolete applications, could cause us to lose our competitive advantage, divert management&#8217;s time, result in a loss of productivity or disrupt business operations, which could have a material adverse effect on our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">We may not be able to adequately protect the intellectual property rights upon which we rely and, as a result, any lack of protection may diminish our competitive advantage.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We rely on proprietary software programs and valuation and collection processes and techniques, and we believe that these assets provide us with a competitive advantage. We consider our proprietary software, processes, and techniques to be trade secrets, but they are not protected by patent or registered copyright. We may not be able to protect our technology and data resources adequately, which may diminish our competitive advantage, which may, in turn, adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">We may be subject to intellectual property rights claims by third parties, which may be costly to defend and could require us to pay significant damages.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We cannot be certain that the operation of our business does not, or will not, infringe or otherwise violate the intellectual property rights of third parties. We may in the future be subject, to legal proceedings and claims alleging that we infringe or otherwise violate the intellectual property rights of third parties. We may not be aware if we are infringing, misappropriating, or otherwise violating third-party intellectual property rights, and third parties may bring claims alleging such infringement, misappropriation or violation. Moreover, the law continues to evolve and be applied and interpreted by courts in novel ways that we may not be able to adequately anticipate, and such changes may subject us to additional claims and liabilities. In addition, certain companies and rights holders seek to enforce and monetize intellectual property rights they own, have purchased, or otherwise obtained and many potential litigants have the ability to dedicate substantial resources to assert their intellectual property rights and to defend claims that may be brought against them. We may not be able to defend ourselves effectively against such intellectual property rights claims and could be forced to incur significant defense costs and pay significant damages, which, in turn, could adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Our proprietary technology platforms and business solutions contain third-party open-source software components, and failure to comply with the terms of the applicable underlying open-source software licenses could compromise the proprietary nature of our platform or could require disclosure of affected proprietary software source code.</font>
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          <font style="letter-spacing:-0.038pt;">Our proprietary technology platforms and business solutions contain software modules licensed to us by third-party authors under &#8220;open source&#8221; licenses. Use and distribution of open-source software may entail greater risks than use of third-party commercial software, as open-source licensors generally do not provide support, warranties, indemnification or other contractual protections regarding infringement claims or the quality of the software and open-source software may have security and other vulnerabilities and architectural instabilities due to their wide availability.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, if we combine our proprietary software with open-source software in a certain manner, we could, under certain &#8220;copyleft&#8221; open source licenses, be required to release the source code of our proprietary software under the terms of such an open source software license, which could require us to offer our source code at little or no cost or grant other rights to our intellectual property. This could enable our competitors to create similar offerings with lower development effort, resources and time and ultimately could result in a loss of our competitive advantages.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Even though we have certain procedures in place to monitor our use of open-source software, we could inadvertently breach the terms of an open source license, or such breach could be claimed, in part because open source license terms are often ambiguous and the terms of many open-source licenses have not been interpreted by U.S. or foreign courts, leaving a risk that licenses could be construed as imposing unanticipated restrictions. As a result, we could be subject to lawsuits by parties claiming breach or failure to comply with the terms and conditions of the open source software licenses and we could face infringement or other liability. Many of these risks associated with the use of open source software, cannot be eliminated, and could, if not properly addressed, negatively affect our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Our use of machine learning and AI technologies could adversely affect our products and services, harm our reputation, or cause us to incur liability resulting from harm to individuals or violation of laws and regulations or contracts to which we are a party.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We and some of our vendors use or are exploring use of machine learning, AI and automated decision-making technologies to improve operational efficiency and for other purposes in our business. Predictive prioritization models are used in this market to estimate the expected value of accounts, which allows resources to be optimized and improves operational efficiency. In addition, algorithms are developed to analyze the historical behavior of accounts to recommend the best next action or offer in real time. These activities can result in increased recovery rates on accounts. In the United States, one of our vendors uses AI to train agents on how to provide better responses to questions. In addition, we authorized the use of AI for some limited activities including content generation for marketing, communications and similar business activities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Although we have adopted a governance policy for the use of AI to establish guidelines and best practices for the appropriate, responsible and secure use of generative AI, as with many technological innovations, there are significant risks and challenges involved in developing, maintaining and deploying these technologies, and there can be no assurance that the usage of such technologies will always enhance our solutions or be beneficial to our business, including our efficiency or profitability.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In particular, if the models underlying machine learning, AI and automated decision-making technologies that we develop or use are: (i) incorrectly designed or implemented; (ii) trained or reliant on incomplete, inadequate, inaccurate, biased or otherwise poor quality data, or on data to which we do not have sufficient rights or in relation to which we and/or the providers of such data have not implemented sufficient legal compliance measures (including with respect to the processing and protection of such data); (iii)&#160;used without sufficient oversight and governance to ensure their responsible and ethical use; and/or (iv)&#160;adversely impacted by unforeseen defects, technical challenges, cybersecurity threats or material performance issues, the performance of our products, services and business, as well as our reputation and the reputations of our customers and business partners, could suffer or we could incur liability resulting from harm to individuals, civil claims or the violation of laws or contracts to which we are a party.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Risks Related to Our Financial Condition and Indebtedness</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.475pt;">We expect to use leverage in executing our business strategy, which may have adverse consequences.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We may incur a substantial amount of debt in the future. As of March&#160;31, 2025, as adjusted for the 2030 Notes Offering as well as the $16&#160;million dividend paid on May&#160;9, 2025, we had total consolidated indebtedness of $1,249.3&#160;million, which was comprised of $300.0&#160;million outstanding principal amount of the 2026 Notes (as defined herein), $400.0&#160;million outstanding principal amount of the 2029 Notes (as defined herein), $500.0&#160;million outstanding principal amount of 2030 Notes and $49.3&#160;million borrowed under the Revolving Credit Facility. As of March&#160;31, 2025, the amount available to be borrowed under the Revolving Credit Facility, subject to borrowing base restrictions, was $775.7&#160;million, all of which if borrowed would be secured. Our management team considers a number of factors when evaluating our level of indebtedness and when making decisions about incurring any new indebtedness, including the purchase price of assets to be acquired </font>
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          <font style="letter-spacing:-0.038pt;">with debt financing, the estimated market value of our assets and the ability of particular assets and the Company as a whole, to generate cash flow to cover the expected debt service.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Incurring a substantial amount of debt could have important consequences for our business, including:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">making it more difficult for us to satisfy our obligations with respect to our debt or to our trade or other creditors;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">increasing our vulnerability to adverse economic or industry conditions;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">limiting our ability to obtain additional financing to fund capital expenditures and acquisitions, particularly when the availability of financing in the capital markets is constrained;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">requiring a substantial portion of our cash flows from operations and reducing our ability to use our cash flows to fund working capital, capital expenditures, acquisitions and general corporate requirements;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">increasing the amount of interest expense because the indebtedness under our Revolving Credit Facility bears interest at floating rates, which, if interest rates increase, will result in higher interest expense;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">limiting our flexibility in planning for, or reacting to, changes in our business and the industry in which we operate; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">placing us at a competitive disadvantage compared to less leveraged competitors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We cannot assure you that our business will generate sufficient cash flow from operations or that future borrowings will be available to us through capital markets financings, under credit facilities or otherwise, in an amount sufficient to enable us to repay our indebtedness, or fund our other liquidity needs. We may need to refinance all or a portion of our indebtedness, at or before its scheduled maturity. We cannot assure you that we will be able to refinance any of our indebtedness on commercially reasonable terms or at all. In addition, we may incur additional indebtedness in order to finance our operations or to repay existing indebtedness. If we cannot service our indebtedness, we may have to take actions such as selling assets, seeking additional debt or equity or reducing or delaying capital expenditures, strategic acquisitions, investments and alliances. We cannot assure you that any such actions, if necessary, could be effected on commercially reasonable terms or at all, or on terms that would be advantageous to our stockholders or on terms that would not require us to breach the terms and conditions of our existing or future debt agreements. Our ability to access additional future borrowings could be negatively impacted as a result of the impact of disease outbreaks, the possibility of a recession and the impacts from the wars in Ukraine and in the Middle East on the global debt and capital markets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">We may not be able to generate sufficient cash flow or complete alternative financing plans, including raising additional capital, to meet our debt service obligations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our ability to generate sufficient cash flow from operations to make scheduled payments on our debt obligations will depend on our current and future financial performance, which is subject to general economic, financial, competitive, legislative, regulatory and other factors that are beyond our control. In the future, we may fail to generate sufficient cash flow from the collection of nonperforming loans to meet our cash requirements. Further, our capital requirements may vary materially from those currently planned if, for example, our collections do not reach expected levels, we have to incur unforeseen expenses, we invest in acquisitions or make other investments that we believe will benefit our competitive position. If we do not generate sufficient cash flow from operations to satisfy our debt obligations, including interest payments and the payment of principal at maturity, we may have to undertake alternative financing plans, such as refinancing or restructuring our debt, selling assets or seeking to raise additional capital. We cannot provide assurance that any refinancing would be possible, that any assets could be sold, or, if sold, of the timeliness and amount of proceeds realized from those sales, that additional financing could be obtained on acceptable terms, if at all, or that additional financing would be permitted under the terms of our various debt instruments then in effect. Furthermore, our ability to refinance would depend upon the condition of the finance and credit markets. Our inability to generate sufficient cash flow to satisfy our debt obligations, or to refinance our obligations on commercially reasonable terms or on a timely basis, would materially affect our business, financial condition or results of operations and may delay or prevent the expansion of our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">46</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.475pt;">The agreements governing our indebtedness include provisions that may restrict our financial and business operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our Revolving Credit Facility, the indentures governing our 2026 Notes, 2029 Notes and 2030 Notes (each as defined herein, and together, the &#8220;Senior Notes&#8221;) and our other indebtedness contain financial and other restrictive covenants, including restrictions on certain types of transactions and our ability to pay dividends to our stockholders. These restrictions may interfere with our ability to engage in other necessary or desirable business activities, which could materially affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Failure to satisfy any one of these covenants could result in negative consequences, including the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">acceleration of outstanding indebtedness;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our inability to continue to purchase nonperforming loans needed to operate our business; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our inability to secure alternative financing on favorable terms, if at all.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, the amounts borrowed under the Revolving Credit Facility are secured by substantially all of the assets of four of our operating subsidiaries, collectively accounting for a significant amount of our total assets. As a result, in the event of the occurrence of a default under our Revolving Credit Facility, the Administrative Agent (as defined herein) may enforce its security interests (for the ratable benefit of the lenders under our Revolving Credit Facility and the other secured parties) over our subsidiaries&#8217; assets that secure the obligations under our Revolving Credit Facility, take control of the assets and businesses of those subsidiaries, force us to seek bankruptcy protection, or force us to curtail or abandon our current business plans. If that were to happen, you may lose all, or a part of, your investment in our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">If we fail to satisfy the restrictive covenants contained in our Revolving Credit Facility or our Senior Notes, or if we are unable to renegotiate, expand or replace the Revolving Credit Facility when needed, our business, financial condition and results of operations could be impacted negatively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Adverse changes in our credit ratings could have a negative impact on our business, financial condition and results of operations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our ability to access capital markets is important to our ability to operate our business. Increased scrutiny of our industry and the impact of regulation, as well as changes in our financial performance and unfavorable conditions in the capital markets, could result in credit agencies reexamining and downgrading our credit ratings. A downgrade in our credit ratings may restrict or discontinue our ability to access capital markets at attractive rates and increase our borrowing costs, which could adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Risks Related to This Offering and Ownership of Our Common Stock</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">The JCF Stockholders control us, and their interests may conflict with ours or yours in the future, including with respect to matters that involve corporate opportunities.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Immediately following this offering, the JCF Stockholders will together control approximately</font><font style="letter-spacing:-0.361pt;"> 68.9</font><font style="letter-spacing:-0.038pt;">% of the voting power for our common stock (or</font><font style="letter-spacing:-0.361pt;"> 67.1</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders). As such, the JCF Stockholders will control the vote of all matters submitted to a vote of our stockholders, which will enable them to control the election of the members of the board of directors and all other corporate decisions. Even when the JCF Stockholders cease to own shares of our stock representing a majority of the total voting power, for so long as the JCF Stockholders continue to own a significant&#160;percentage of our stock, the JCF Stockholders will still be able to significantly influence the composition of our board of directors and the approval of actions requiring stockholder approval. Accordingly, for such period of time, the JCF Stockholders will have significant influence with respect to our management, business plans and policies, including the appointment and removal of our officers, decisions on whether to raise future capital and amending our charter and bylaws, which govern the rights attached to our common stock. In particular, for so long as the JCF Stockholders continue to own a significant&#160;percentage of our stock, the JCF Stockholders will be able to cause or prevent a change of control of us or a change in the composition of our board of directors and could preclude any unsolicited acquisition of us. The concentration of ownership could deprive you of an opportunity to receive a premium for your shares of common stock as part of a sale of us and ultimately might affect the market price of our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">47</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <div style="width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In addition, our amended and restated certificate of incorporation will provide that the JCF Stockholders will have the right to designate four nominees for election to our board of directors immediately following this offering, which number shall decline in the future in proportion to any declines in the JCF Stockholders&#8217; ownership in us. See the section titled &#8220;Certain Relationships and Related Party Transactions&#160;&#8212; Stockholders Agreement&#160;&#8212; Nomination and Consent Rights</font><font style="letter-spacing:-0.361pt;">.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The JCF Stockholders and their affiliates engage in a broad spectrum of activities, including investments in the financial services industry generally. In the ordinary course of their business activities, the JCF Stockholders and their affiliates may engage in activities where their interests conflict with our interests or those of our stockholders, such as investing in or advising businesses that directly or indirectly compete with certain portions of our business or are customers of ours. Although the &#8220;corporate opportunities doctrine&#8221; provides that directors and officers of a corporation, as part of their duty of loyalty to the corporation and its stockholders, generally have a fiduciary duty to disclose opportunities to the corporation that are related to its business and are prohibited from pursuing those opportunities unless the corporation determines that it is not going to pursue them, our amended and restated certificate of incorporation that will be effective in connection with the completion of this offering will waive the corporate opportunities doctrine. Specifically, our amended and restated certificate of incorporation that will be effective in connection with the completion of this offering will provide that none of the JCF Stockholders, any of their affiliates or any director affiliated with the JCF Stockholders who is not employed by us (including any such non-employee director who serves as one of our officers in both his director and officer capacities) will have any duty to refrain from engaging, directly or indirectly, in the same business activities or similar business activities or lines of business in which we operate. The JCF Stockholders and their affiliates also may pursue acquisition opportunities that may be complementary to our business, and, as a result, those acquisition opportunities may not be available to us. In addition, if the JCF Stockholders or any non-employee director acquires knowledge of a potential transaction or other business opportunity which may be a corporate opportunity for us, such person will have no duty to communicate or offer such transaction or business opportunity to us and they may take any such opportunity for themselves or offer it to another person or entity. The JCF Stockholders and their affiliates may have an interest in pursuing acquisitions, divestitures and other transactions that, in its judgment, could enhance its investment, even though such transactions might involve risks to you. See the sections entitled &#8220;Description of Capital Stock</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Conflicts of Interest; Corporate&#160;Opportunities.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">We have broad discretion in the use of the net proceeds from our initial public offering and may not use them effectively.</font>
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          <font style="letter-spacing:-0.038pt;">To the extent (i) we raise more money than required for the purposes explained in the section titled &#8220;Use of Proceeds&#8221; or (ii) we determine the proposed uses set forth in that section are no longer in the best interests of our Company, we cannot specify with any certainty the particular uses of such net proceeds that we will receive from this offering. Our management will have broad discretion in the application of such net proceeds, including working capital, possible acquisitions, and other general corporate purposes, and we may spend or invest these proceeds in a way with which our stockholders disagree. The failure by our management to apply these funds effectively could harm our business and financial condition. Pending their use, we may invest the net proceeds from this offering in a manner that does not produce income or that loses value.</font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">An active, liquid trading market for our common stock may not develop, which may limit your ability to sell your shares.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Prior to this offering, there was no public market for our common stock. Although we have applied to have our common stock listed on the Nasdaq under the symbol &#8220;JCAP,&#8221; an active trading market for our shares may never develop or be sustained following this offering. The initial public offering price will be determined by negotiations between us, the underwriters and the selling stockholders and may not be indicative of market prices of our common stock that will prevail in the open market after the offering. A public trading market having the desirable characteristics of depth, liquidity and orderliness depends upon the existence of willing buyers and sellers at any given time, such existence being dependent upon the individual decisions of buyers and sellers over which neither we nor any market maker has control. The failure of an active and liquid trading market to develop and continue would likely have a material adverse effect on the value of our common stock. The market price of our common stock may decline below the initial public offering price, and you may not be able to sell your shares of our common stock at or above the price you paid in this offering, or at all. An </font>
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          <font style="letter-spacing:-0.342pt;">48</font>
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          <font style="letter-spacing:-0.038pt;">inactive market may also impair our ability to raise capital to continue to fund operations by issuing shares and may impair our ability to acquire other companies or technologies by using our shares as consideration.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Our stock price may change significantly following the offering and you may not be able to resell shares of our common stock at or above the price you paid or at all, and you could lose all or part of your investment as a result.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The initial public offering price for our common stock was determined by negotiations between us and the underwriters. Our operating results and the trading price of our common stock may fluctuate and you may not be able to resell your shares at or above the initial public offering price due to a number of factors, including: </font>
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          <font style="letter-spacing:-0.038pt;">market conditions in our industry or the broader stock market;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">actual or anticipated fluctuations in our quarterly financial and operating results;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">introduction of new solutions or services by us or our competitors;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">issuance of new or changed securities analysts&#8217; reports or recommendations; sales, or anticipated sales, of large blocks of our stock;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">additions or departures of key personnel;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">regulatory or political developments;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">litigation and governmental investigations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">changing economic conditions;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">investors&#8217; perception of us;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">events beyond our control such as weather and war; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">any default on our indebtedness.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In particular, securities markets worldwide have experienced, and are likely to continue to experience, significant price and volume fluctuations. This market volatility, as well as general economic, market or political conditions, could subject the market price of our shares to wide price fluctuations regardless of our operating performance. These and other factors, many of which are beyond our control, may cause our operating results and the market price and demand for our shares to fluctuate substantially. Fluctuations in our quarterly operating results could limit or prevent investors from readily selling their shares and may otherwise negatively affect the market price and liquidity of our shares. In addition, in the past, when the market price of a stock has been volatile, holders of that stock have sometimes instituted securities class action litigation against the company that issued the stock. If any of our stockholders brought a lawsuit against us, we could incur substantial costs defending the lawsuit. Such a lawsuit could also divert the time and attention of our management from our business, which could significantly harm our profitability and reputation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">A significant portion of our total outstanding shares are restricted from immediate resale but may be sold into the market in the near future. Such sales could cause the market price of our common stock to drop significantly, even if our business is doing well.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Sales of a substantial number of shares of our common stock in the public market could occur at any time. These sales, or the perception in the market that the holders of a large number of shares intend to sell shares, could reduce the market price of our common stock. After this offering, we will have </font><font style="letter-spacing:-0.361pt;">64,813,219 </font><font style="letter-spacing:-0.038pt;">outstanding</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">shares of common stock. The shares that are not being sold in this offering will be subject to a </font><font style="letter-spacing:-0.361pt;">180</font><font style="letter-spacing:-0.038pt;">-day lock-up period provided under agreements executed in connection with this offering between the underwriters and our executive officers and directors and the holders of substantially all of our outstanding shares of</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">common stock upon completion of the Reorganization, including the selling stockholders. These shares will, however, be able to be transferred after the expiration of the lock-up agreements, upon the waiver of such lock-up agreement by, or in accordance with the exceptions to the lock-up described in the &#8220;Shares Eligible for Future Sale&#8221; and &#8220;Underwriting&#8221; sections of this prospectus. We also intend to file a Form S-8 under the Securities Act of 1933 to register all shares of common stock that we may issue under our equity compensation plans. Once we register these shares, they can be freely resold in the public market, subject to legal or contractual restrictions, such as the lock-up agreements described in the &#8220;Underwriting&#8221; section of this prospectus. In addition, the JCF Stockholders, who will hold approximately</font><font style="letter-spacing:-0.361pt;"> 68.9</font><font style="letter-spacing:-0.038pt;">% of our outstanding common stock upon the completion of this offering (assuming the underwriters do</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">not exercise their option to purchase additional shares of our common stock from the selling shareholders), will have demand registration rights to require us to file registration statements in connection with future sales of their shares, and will have rights </font>
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          <font style="letter-spacing:-0.342pt;">49</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">to require us to include their shares in registration statements that we may file for ourself or other stockholders. See &#8220;Certain Relationships and Related Person Transactions</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201; </font><font style="letter-spacing:-0.038pt;">Stockholders Agreement.&#8221; Future sales by these stockholders could be significant. As restrictions on resale end, the market price of our stock could decline if the holders of shares that will be subject to lock-up agreements sell them or are perceived by the market as intending to sell them.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">If you purchase shares of our common stock in this offering, you will suffer immediate and substantial dilution of your investment.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The initial public offering price of our common stock is substantially higher than the net tangible book value per share of our common stock. Therefore, if you purchase shares of our common stock in this offering, you will pay a price per share that substantially exceeds our net tangible book value per share after this offering. Based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, the mid-point of the price range set forth on the cover page of this prospectus, you will experience immediate dilution of $</font><font style="letter-spacing:-0.361pt;">10.57 </font><font style="letter-spacing:-0.038pt;">per share, representing the difference between our as adjusted net tangible book value per share after giving effect to this offering and the initial public offering price. In addition, purchasers of our common stock in this offering will have contributed</font><font style="letter-spacing:-0.361pt;"> 56.9</font><font style="letter-spacing:-0.038pt;">% of the aggregate price paid by all purchasers of our common stock but will own only approximately</font><font style="letter-spacing:-0.361pt;"> 15.4</font><font style="letter-spacing:-0.038pt;">% of our common stock outstanding after this offering. See the section titled &#8220;Dilution&#8221; for more detail.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">There can be no assurance that we will continue to declare cash dividends or repurchase our shares at all or in any particular amounts.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We currently intend to pay quarterly cash dividends beginning in the third quarter of 2025 and also may consider share repurchase programs in the future to supplement our dividend policy. Our intent to pay quarterly dividends and potentially repurchase our shares is subject to capital availability and periodic determinations by our board of directors that such actions are in the best interest of our stockholders. Future dividends and share repurchases may be affected by, among other factors that our board of directors may deem relevant, our financial condition, earnings, liquidity and capital requirements, regulatory constraints, level of indebtedness, contractual restrictions with respect to payment of dividends, restrictions imposed by Delaware law and general business conditions. Our policies regarding dividend payments and share repurchases may change from time to time, and there can be no assurance that we will pay any dividends to holders of our common stock or repurchase any shares of our common stock, or as to the amount of any such dividends or repurchases. Therefore, any return on investment in our common stock may depend solely upon the appreciation of the price of our common stock on the open market, which may not occur. Additionally, any reduction or suspension in our dividend payments could have a negative effect on our stock price. See the section titled &#8220;Dividend Policy&#8221; for more detail.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">We expect to be a &#8220;controlled company&#8221; within the meaning of the corporate governance rules of the Nasdaq and, as a result, we qualify for exemptions from certain corporate governance requirements. You will not have the same protections as those afforded to stockholders of companies that are subject to such governance requirements.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Immediately following this offering, we expect that the JCF Stockholders will together control a majority of the voting power of our outstanding common stock. As a result, we expect to be a &#8220;controlled company&#8221; within the meaning of the corporate governance rules of the Nasdaq. Under these rules, a company of which more than 50% of the voting power for the election of directors is held by an individual, group or another company is a &#8220;controlled company&#8221; and may elect not to comply with certain corporate governance requirements, including the requirements that, within one year of the date of the listing of our common stock:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">we have a board that is composed of a majority of &#8220;independent directors&#8221; as defined under the rules of such exchange; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">we have a compensation committee that is composed entirely of independent directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">These exemptions do not modify the requirement for a fully independent audit committee, which is permitted to be phased-in as follows: (1)&#160;one independent committee member at the time of our initial public offering; (2)&#160;a majority of independent committee members within 90&#160;days of our initial public offering; and (3)&#160;all independent committee members within one year of our initial public offering. Similarly, once we are no longer a &#8220;controlled company,&#8221; we must comply with the independent board committee requirements as they relate to the compensation committee, on the same phase-in schedule as set forth above, with the trigger </font>
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          <font style="letter-spacing:-0.342pt;">50</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">date being the date we are no longer a &#8220;controlled company&#8221; as opposed to our initial public offering date. Additionally, we will have 12&#160;months from the date we cease to be a &#8220;controlled company&#8221; to have a majority of independent directors on our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">If we utilize the &#8220;controlled company exemption,&#8221; you will not have the same protections afforded to stockholders of companies that are subject to all of the corporate governance requirements of the Nasdaq. See the section titled &#8220;Management</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Controlled Company Status.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">We are an emerging growth company and our compliance with the reduced reporting and disclosure requirements applicable to emerging growth companies could make our common stock less attractive to investors.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We are an &#8220;emerging growth company,&#8221; as defined in the JOBS Act, and may remain an emerging growth company until the earliest of:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the last day of our fiscal year following the fifth anniversary of the date of our initial public offering of common stock;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the last day of our fiscal year in which we have an annual gross revenue of $1.235&#160;billion or more; the date on which we have, during the previous three-year period, issued more than $1&#160;billion in nonconvertible debt; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the date on which we are deemed to be a &#8220;large accelerated filer,&#8221; which will occur at such time as we (i)&#160;have an aggregate worldwide market value of common equity securities held by non-affiliates of $700&#160;million or more as of the last business day of our most recently completed second fiscal quarter, (ii)&#160;have been required to file annual and quarterly reports under the Exchange Act for a period of at least 12&#160;months, and (iii)&#160;have filed at least one annual report pursuant to the Exchange Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">For as long as we are an emerging growth company, we will not be required to comply with certain requirements that are applicable to other public companies that are not emerging growth companies, including the auditor attestation requirements of Section&#160;404 of the Sarbanes-Oxley Act, and may also avail ourselves of the reduced disclosure obligations regarding executive compensation in our periodic reports, proxy statements and registration statements and the exemptions from the requirements of holding a nonbinding advisory vote on executive compensation and obtaining stockholder approval of any golden parachute payments not previously approved. As a result, the information we provide stockholders is different than the information that is available with respect to other public companies. If some investors find our common stock less attractive as a result, there may be a less active trading market for our common stock, and our stock price may be more volatile.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The JOBS Act also permits an emerging growth company like us to avail ourselves of an extended transition period to comply with new or revised accounting standards applicable to public companies. We have elected to avail ourselves of this extended transition period for complying with new or revised accounting standards and, therefore, we will not be subject to the same new or revised accounting standards as other public companies that comply with such new or revised accounting standards on a non-delayed basis.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">The requirements of being a public company may strain our resources and distract our management, which could make it difficult to manage our business, particularly after we are no longer an &#8220;emerging growth company.&#8221;</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">As a public company, we will incur legal, accounting and other expenses that we did not previously incur. We will become subject to the reporting requirements of the Exchange Act and the Sarbanes-Oxley Act, the listing requirements of the Nasdaq and other applicable securities rules and regulations. Compliance with these rules and regulations will increase our legal and financial compliance costs, make some activities more difficult, time consuming or costly and increase demand on our systems and resources, particularly after we are no longer an &#8220;emerging growth company.&#8221; The Exchange Act requires that we file annual, quarterly and current reports with respect to our business, financial condition and results of operations. The Sarbanes-Oxley Act requires, among other things, that we establish and maintain effective internal controls and procedures for financial reporting. Furthermore, the need to establish the corporate infrastructure demanded of a public company may divert our management&#8217;s attention from implementing our growth strategy, which could prevent us from improving our business, financial condition and results of operations. We have made, and will continue to make, changes to our internal controls and procedures for financial reporting and accounting systems to meet our reporting obligations as a public company. However, the measures we take may not be </font>
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          <font style="letter-spacing:-0.342pt;">51</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">sufficient to satisfy our obligations as a public company. In addition, these rules and regulations will increase our legal and financial compliance costs and will make some activities more time-consuming and costly. For example, we expect these rules and regulations to make it more difficult and more expensive for us to obtain director and officer liability insurance, and we may be required to incur substantial costs to maintain the same or similar coverage. These additional obligations could have a material adverse effect on our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, changing laws, regulations and standards relating to corporate governance, ESG-related matters and general public disclosure are creating uncertainty for public companies around public company standards, increasing legal and financial compliance costs and making certain activities more time consuming. These laws, regulations and standards are subject to varying interpretations, in many cases due to their lack of specificity, and, as a result, their application in practice may evolve over time as new guidance is provided by regulatory and governing bodies. This could result in continuing uncertainty regarding compliance matters and higher costs necessitated by ongoing revisions to disclosure and governance practices. We intend to invest resources to comply with evolving laws, regulations and standards, and this investment may result in increased general and administrative expenses and a diversion of our management&#8217;s time and attention from revenue-generating activities to compliance activities. If our efforts to comply with new laws, regulations and standards differ from the activities intended by regulatory or governing bodies due to ambiguities related to their application and practice, regulatory authorities may initiate legal proceedings against us and there could be a material adverse effect on our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">If securities or industry analysts do not publish research or reports about our business, if they adversely change their recommendations regarding our shares or if our results of operations do not meet their expectations, our stock price and trading volume could decline.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The trading market for our common stock will be influenced by the research and reports that industry or securities analysts publish about us or our business. We do not have any control over these analysts. If one or more of these analysts cease coverage of us or fail to publish reports on us regularly, we could lose visibility in the financial markets, which in turn could cause our stock price or trading volume to decline. Moreover, if one or more of the analysts who cover us downgrade our stock, or if our results of operations do not meet their expectations, our stock price could decline.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">General Risk Factors</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.475pt;">As a result of becoming a public company, we will be obligated to develop and maintain proper and effective internal control over financial reporting in order to comply with Section&#160;404 of the Sarbanes-Oxley Act. We may not complete our analysis of our internal control over financial reporting in a timely manner or these internal controls may not be determined to be effective, which may adversely affect investor confidence in us and, as a result, the value of our common stock.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our management is responsible for establishing and maintaining adequate internal control over financial reporting. Internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements in accordance with GAAP. We are in the early stages of the costly and challenging process of compiling the system and processing documentation necessary to perform the evaluation needed to comply with Section&#160;404 of the Sarbanes-Oxley Act. We may not be able to complete our evaluation, testing and any required remediation prior to becoming a public company or in a timely manner thereafter. If we are unable to assert that our internal control over financial reporting is effective, we could lose investor confidence in the accuracy and completeness of our financial reports, which would cause the price of our common stock to decline, and we may be subject to investigation or sanctions by the SEC.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We will be required, pursuant to Section&#160;404 of the Sarbanes-Oxley Act, to furnish a report by management on, among other things, the effectiveness of our internal control over financial reporting as of the end of the fiscal year that coincides with the filing of our second annual report on Form 10-K. This assessment will need to include disclosure of any material weaknesses identified by our management in our internal control over financial reporting. We will also be required to disclose changes made in our internal control and procedures on a quarterly basis. However, our independent registered public accounting firm will not be required to report on the effectiveness of our internal control over financial reporting pursuant to Section&#160;404 of the Sarbanes-Oxley Act until the later of the year following our first annual report required to be filed with the SEC, or the date </font>
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          <font style="letter-spacing:-0.038pt;">we are no longer an &#8220;emerging growth company&#8221; as defined in the JOBS Act. At such time, our independent registered public accounting firm may issue a report that is adverse in the event it is not satisfied with the level at which our controls are documented, designed or operating.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Additionally, if one or more material weaknesses in our internal control over financial reporting are identified in future periods, our management would be required to devote significant time and incur significant expense to remediate any such material weaknesses and may not be able to remediate any such material weaknesses in a timely manner. Any such material weaknesses in our internal control over financial reporting could also result in errors in our financial statements that could require us to restate our financial statements, cause us to fail to meet our reporting obligations and cause stockholders to lose confidence in our reported financial information, all of which could materially and adversely affect our business and stock price. To comply with the requirements of being a public company, we may need to undertake various costly and time-consuming actions, such as implementing new internal controls and procedures and hiring accounting or internal audit staff, which may adversely affect our business, financial condition and results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">The number of shares of our common stock eligible for future sale could adversely affect the market price of our stock.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We have reserved approximately </font><font style="letter-spacing:-0.361pt;">6,418,822</font><font style="letter-spacing:-0.038pt;"> shares of our common stock for future equity grants under the 2025 Plan, which number includes the 457,544 options to purchase shares of our common stock that we will grant in connection with this offering. We may issue additional restricted securities or register additional shares of our common stock under the Securities Act, as amended (the &#8220;Securities Act&#8221;), in the future. The issuance of a significant number of shares of our common stock upon the exercise of stock options or the availability for sale, or sale, of a substantial number of the shares of common stock eligible for future sale under effective registration statements, under Rule&#160;144 or otherwise, could adversely affect the market price of our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">The value of our common stock may be materially adversely affected by additional issuances of common stock by us.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Any future issuances or sales of our common stock by us will be dilutive to our existing common stockholders. We may choose to raise additional capital to grow our business and implement our growth strategy through public or private issuances of our common stock or securities convertible into, or exchangeable for, our common stock. Sales of substantial amounts of our common stock in the public or private market, a perception in the market that such sales could occur, or the issuance of securities exercisable or convertible into our common stock, could dilute your interest in our share capital and adversely affect the prevailing price of our common stock. In addition, in the event that additional financing is required from outside sources, we may not be able to raise it on terms acceptable to us or at all. If we are unable to raise additional capital when desired, our business, financial condition and results of operations would be harmed.</font>
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          <font style="letter-spacing:0.475pt;">Our anti-takeover provisions may delay or prevent a change of control, which could adversely affect the price of our common stock.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation and amended and restated bylaws, each of which will be in effect upon the completion of this offering, contain provisions that may make it difficult to remove our board of directors and management and may discourage or delay &#8220;change of control&#8221; transactions, which could adversely affect the price of our common stock. These provisions include, among others:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our board of directors is divided into three classes, with each class serving for a staggered three-year term, which prevents stockholders from electing an entirely new board of directors at an annual meeting; </font>
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          <font style="letter-spacing:-0.038pt;">no cumulative voting in the election of directors, which prevents the minority stockholders from electing director candidates;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the exclusive right of our board of directors to elect a director to fill a vacancy created by the expansion of the board of directors or the resignation, death or removal of a director, which prevents stockholders from being able to fill vacancies on our board of directors;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">from and after such time as the JCF Stockholders and their affiliates cease to own (directly or indirectly) at least </font><font style="letter-spacing:-0.361pt;">40</font><font style="letter-spacing:-0.038pt;">% of the shares of our outstanding common stock (the &#8220;Trigger Date&#8221;), actions to be taken by our stockholders may only be effected at an annual or special meeting of our stockholders and not by written consent;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">from and after the Trigger Date, special meetings of our stockholders can be called only by the board of directors, the Chairman of the board of directors, our chief executive officer, our president or other officer selected by a majority of our directors;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">advance notice procedures that stockholders, other than the JCF Stockholders prior to the Trigger Date, must comply with in order to nominate candidates to our board of directors and propose matters to be brought before an annual meeting of our stockholders may discourage or deter a potential acquirer from conducting a solicitation of proxies to elect the acquirer&#8217;s own slate of directors or otherwise attempting to obtain control of our company;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">from and after the Trigger Date, a </font><font style="letter-spacing:-0.361pt;">66</font><font style=" position:relative; bottom:2.53pt;font-size:6.65pt;letter-spacing:-0.253pt;">2</font><font style="letter-spacing:-0.361pt;">&#8725;</font><font style="font-size:6.65pt;letter-spacing:-0.253pt;">3</font><font style="letter-spacing:-0.038pt;">% stockholder vote is required for removal of a director and a director may only be removed for cause, and a </font><font style="letter-spacing:-0.361pt;">66</font><font style=" position:relative; bottom:2.53pt;font-size:6.65pt;letter-spacing:-0.253pt;">2</font><font style="letter-spacing:-0.361pt;">&#8725;</font><font style="font-size:6.65pt;letter-spacing:-0.253pt;">3</font><font style="letter-spacing:-0.038pt;">% stockholder vote is required for the amendment, repeal or modification of certain provisions of our amended and restated certificate of incorporation and amended and restated bylaws;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the JCF Stockholders will have the right to designate a specified number of nominees for election to our board of directors for so long as the JCF Stockholders beneficially own, in the aggregate, at least 10% of the outstanding shares of our common stock; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our board of directors may, without stockholder approval, issue series of preferred stock, or rights to acquire preferred stock, that could dilute the interest of, or impair the voting power of, holders of our common stock or could also be used as a method of discouraging, delaying or preventing a change of control.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Certain anti-takeover provisions under Delaware law also apply to our company. In general, Section&#160;203 of the Delaware General Corporation Law (&#8220;DGCL&#8221;), an anti-takeover provision, prohibits a publicly held Delaware corporation from engaging in a business combination, such as a merger, with an &#8220;interested stockholder,&#8221; or person or group owning 15% or more of the corporation&#8217;s voting stock, for a period of three&#160;years following the date the person became an interested stockholder, unless (with certain exceptions) the business combination or the transaction in which the person became an interested stockholder is approved in the manner prescribed by the DGCL and Delaware Court of Chancery.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We intend to elect in our amended and restated certificate of incorporation not to be subject to Section&#160;203 of the DGCL; however, our amended and restated certificate of incorporation will contain provisions that have generally the same effect as Section&#160;203. Nonetheless, our amended and restated certificate of incorporation will provide that the JCF Stockholders, their respective affiliates and successors, and their respective direct and indirect transferees are not deemed &#8220;interested stockholders&#8221; for purposes of such provisions and therefore will not be subject to such provisions regardless of the&#160;percentage of our voting stock owned by them. See &#8220;Description of Capital Stock</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Anti-Takeover Provisions</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Section&#160;203 of the DGCL.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Our amended and restated certificate of incorporation and amended and restated bylaws will provide, for an exclusive forum in the Court of Chancery of the State of Delaware for certain disputes between us and our stockholders, and that the federal district courts of the United States will be the exclusive forum for the resolution of any complaint asserting a cause of action under the Securities Act.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation and amended and restated bylaws, which will become effective upon the completion of this offering, will provide, that: (i)&#160;unless we consent in writing to the selection of an alternative forum, the Court of Chancery of the State of Delaware (or, if such court does not have subject matter jurisdiction thereof, the federal district court of the State of Delaware) will, to the fullest extent permitted by law, be the sole and exclusive forum for: (A)&#160;any derivative action or proceeding brought on behalf of us, (B)&#160;any action asserting a claim for or based on a breach of a fiduciary duty owed by any of our current or former directors, officers, other employees, agents or stockholders to us or our stockholders, including without limitation a claim alleging the aiding and abetting of such a breach of fiduciary duty, (C)&#160;any action asserting a claim against us or any of our current or former directors, officers, employees, agents or stockholders arising pursuant to any provision of the DGCL or our amended and restated certificate of incorporation or amended and restated bylaws or as to which the DGCL confers jurisdiction on the Court of Chancery of the State of Delaware, or (D)&#160;any action asserting a claim related to or involving us that is governed by the internal affairs doctrine; (ii)&#160;unless we consent in writing to the selection of an alternative forum, the federal district courts of the United States will, to the fullest extent permitted by law, be the sole and exclusive forum for the resolution of any complaint asserting a cause or causes of action arising under the Securities </font>
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          <font style="letter-spacing:-0.342pt;">54</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">Act, and the rules and regulations promulgated thereunder, including all causes of action asserted against any defendant to such complaint; (iii)&#160;any person or entity purchasing or otherwise acquiring or holding any interest in shares of our capital stock will be deemed to have notice of and consented to these provisions; and (iv)&#160;failure to enforce the foregoing provisions would cause us irreparable harm, and we will be entitled to equitable relief, including injunctive relief and specific performance, to enforce the foregoing provisions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">This exclusive forum provision will not apply to suits brought to enforce any liability or duty created by the Exchange Act or any other claim for which the federal courts have exclusive jurisdiction. Nothing in our amended and restated certificate of incorporation or amended and restated bylaws precludes stockholders that assert claims under the Exchange Act, from bringing such claims in federal court to the extent that the Exchange Act confers exclusive federal jurisdiction over such claims, subject to applicable law.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We believe these provisions may benefit us by providing increased consistency in the application of Delaware law and federal securities laws by chancellors and judges, as applicable, particularly experienced in resolving corporate disputes, efficient administration of cases on a more expedited schedule relative to other forums and protection against the burdens of multi-forum litigation. If a court were to find the choice of forum provision that will be contained in our amended and restated certificate of incorporation or amended and restated bylaws to be inapplicable or unenforceable in an action, we may incur additional costs associated with resolving such action in other jurisdictions, which could materially adversely affect our business, financial condition and results of operations. For example, Section&#160;22 of the Securities Act creates concurrent jurisdiction for federal and state courts over all suits brought to enforce any duty or liability created by the Securities Act or the rules and regulations thereunder. Accordingly, there is uncertainty as to whether a court would enforce such a forum selection provision as written in connection with claims arising under the Securities Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The choice of forum provisions may limit a stockholder&#8217;s ability to bring a claim in a judicial forum that it finds favorable for disputes with us or any of our current or former directors, officers, other employees, agents or stockholders, which may discourage such claims against us or any of our current or former directors, officers, other employees, agents or stockholders and result in increased costs for investors to bring a claim.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">We are a holding company and rely on dividends, distributions, and other payments, advances, and transfers of funds from our subsidiaries to meet our obligations.</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We are a holding company that does not conduct any business operations of our own. As a result, we are largely dependent upon cash dividends and distributions and other transfers, including for payments in respect of indebtedness, at the holding company level from our subsidiaries to meet our obligations. The agreements governing the indebtedness of our subsidiaries impose restrictions on our subsidiaries&#8217; ability to pay dividend distributions or other transfers to us. Each of our subsidiaries is a distinct legal entity, and under certain circumstances legal and contractual restrictions may limit our ability to obtain cash from them. The deterioration of the earnings from, or other available assets of, our subsidiaries for any reason could also limit or impair their ability to pay dividends or other distributions to us. </font>
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          <font style="letter-spacing:-0.342pt;">55</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tCNRF">&#8203;</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Any statements made in this prospectus that are not statements of historical fact, including statements about our beliefs and expectations, are forward-looking statements and should be evaluated as such. Forward-looking statements include information concerning possible or assumed future results of operations, including descriptions of our business plan and strategies. These statements often include words such as &#8220;anticipate,&#8221; &#8220;believe,&#8221; &#8220;could,&#8221; &#8220;estimates,&#8221; &#8220;expect,&#8221; &#8220;forecast,&#8221; &#8220;intend,&#8221; &#8220;may,&#8221; &#8220;plan,&#8221; &#8220;projects,&#8221; &#8220;should,&#8221; &#8220;suggests,&#8221; &#8220;targets,&#8221; &#8220;will,&#8221; &#8220;would&#8221; and other similar expressions. These forward-looking statements are contained throughout this prospectus, including the sections titled &#8220;Prospectus Summary,&#8221; &#8220;Risk Factors,&#8221; &#8220;Capitalization,&#8221; &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; and &#8220;Business.&#8221; We base these forward-looking statements on our current expectations, plans and assumptions that we have made in light of our experience in the industry, as well as our perceptions of historical trends, current conditions, expected future developments and other factors we believe are appropriate under the circumstances at such time. As you read and consider this prospectus, you should understand that these statements are not guarantees of future performance or results. The forward-looking statements are subject to and involve risks, uncertainties and assumptions, and you should not place undue reliance on these forward-looking statements. Although we believe that these forward-looking statements are based on reasonable assumptions at the time they are made, you should be aware that many factors could affect our actual results or results of operations and could cause actual results to differ materially from those expressed in the forward-looking statements. Factors that may materially affect such forward-looking statements include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">a deterioration in the economic or inflationary environment in the United States, Canada, the United Kingdom or Latin America, including the interest rate environment;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our ability to replace our portfolios of nonperforming loans with additional portfolios sufficient to operate efficiently and profitably;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our ability to continue to purchase nonperforming loans at appropriate prices;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our ability to collect sufficient amounts on our nonperforming loans to fund our operations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our ability to collect on our portfolios consisting of new types of receivables or receivables in new geographies where we are less experienced;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the possibility that third parties we rely on to conduct collection and other activities fail to perform their services;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the possibility that we could recognize significant decreases in our estimate of future recoveries on nonperforming loans;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">changes in, or interpretations of, federal, state, local, or international laws, including bankruptcy and collection laws, or changes in the administrative practices of various bankruptcy courts, which could negatively impact our business or our ability to collect on nonperforming loans;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">goodwill impairment charges that could negatively impact our net income and stockholders&#8217; equity;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our loss contingency accruals may not be adequate to cover actual losses;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our ability to manage risks associated with our international operations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">our ability to collect and enforce our nonperforming loans may be limited under federal, state, and international laws, regulations, and policies;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">our ability to comply with existing and new regulations of the collection industry, the failure of which could result in penalties, fines, litigation, damage to our reputation, or the suspension or termination of or required modification to our ability to conduct our business;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">adverse outcomes in pending or future litigation or administrative proceedings;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">changes in tax laws and interpretations regarding earnings of our domestic and international operations; </font>
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          <font style="letter-spacing:-0.038pt;">the possibility that class action suits and other litigation could divert management&#8217;s attention and increase our expenses;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">investigations, reviews, or enforcement actions by governmental authorities, including the Consumer Financial Protection Bureau, which could result in changes to our business practices, negatively impact </font>
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          <font style="letter-spacing:-0.342pt;">56</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-left:32pt; width:424pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">our deployment volume, make collection of account balances more difficult, or expose us to the risk of fines, penalties, restitution payments, and litigation;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">the possibility that compliance with complex and evolving international and United States laws and regulations that apply to our international operations could increase our cost of doing business in international jurisdictions;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">our ability to comply with data privacy regulations such as the General Data Protection Regulation;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">our ability to retain, expand, renegotiate or replace our credit facility and our ability to comply with the covenants under our financing arrangements;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">our ability to refinance our indebtedness;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">our ability to service our outstanding indebtedness;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">changes in interest or exchange rates, which could reduce our net income, and the possibility that future hedging strategies may not be successful;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">the possibility that we could incur business or technology disruptions or cybersecurity incidents;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">disruptions of business operations caused by the underperformance or failure of information technology infrastructure, networks or telephone systems; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">other factors disclosed in this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">These cautionary statements should not be construed by you to be exhaustive and are made only as of the date of this prospectus. We undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by applicable law. </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">57</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tUOP">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:78pt;margin-left:69.66pt;width:456pt;">
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">USE OF PROCEEDS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:18pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We estimate that the net proceeds to us from the sale of the shares of our common stock in this offering will be approximately $</font><font style="letter-spacing:-0.361pt;">3.7</font><font style="letter-spacing:-0.038pt;"> million, based upon an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us. We will not receive any proceeds from the sale of shares of our common stock offered by the selling stockholders, including upon the sale of shares of our common stock by the selling stockholders if the underwriters exercise their option to purchase additional shares of our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Each $1.00 increase (decrease) in the assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share would increase (decrease) the net proceeds that we receive from this offering by approximately $</font><font style="letter-spacing:-0.361pt;">0.6 </font><font style="letter-spacing:-0.038pt;">million, assuming that the number of shares offered by us, as set forth on the cover page of this prospectus, remains the same and after deducting the estimated underwriting discounts and commissions and estimated offering expenses payable by us. Similarly, each increase (decrease) of </font><font style="letter-spacing:-0.361pt;">100,000</font><font style="letter-spacing:-0.038pt;"> shares in the number of shares of our common stock offered by us would increase (decrease) the net proceeds that we receive from this offering by approximately </font><font style="letter-spacing:-0.361pt;">$1.5 </font><font style="letter-spacing:-0.038pt;">million, assuming the assumed initial public offering price remains the same, and after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The principal purposes of this offering are to increase our capitalization and financial flexibility, facilitate an orderly distribution for the selling stockholders, create a public market for our common stock and enable access to the public equity markets for us and our stockholders. We expect to use approximately $</font><font style="letter-spacing:-0.361pt;">3.7 </font><font style="letter-spacing:-0.038pt;">million of the net proceeds from this offering to repay outstanding borrowings, if any, under the Revolving Credit Facility and intend to use any remaining net proceeds from this offering for general corporate purposes, including to fund our growth, technology development, working capital, operating expenses and capital expenditures. We may also use a portion of the net proceeds and/or future borrowings under the Revolving Credit Facility to acquire complementary businesses, products, services or technologies, however, we do not have agreements or commitments for any material acquisitions or investments at this time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, we had $524.3 million in aggregate principal amount outstanding under the Revolving Credit Facility, maturing on April 26, 2028. Interest on borrowings designated as SOFR Loans, CORRA Loans and Daily Simple SONIA Loans accrues at a rate equal to SOFR, the CORRA Rate or Daily Simple </font><font style="letter-spacing:-0.361pt;">SONIA</font><font style="letter-spacing:-0.038pt;"> (each as defined in the Revolving Credit Agreement), as applicable, plus 3.00-3.50% (currently</font><font style="letter-spacing:-0.361pt;"> 7.42%). </font><font style="letter-spacing:-0.038pt;">Certain of the underwriters and/or certain of their affiliates are arrangers, agents and/or lenders under the Revolving Credit Facility and therefore may receive a portion of the net proceeds from this offering. See&#160;&#8220;Underwriting.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The expected use of the net proceeds from this offering described above represents our intentions based on our current plans and business conditions, which could change in the future as our plans and business conditions evolve. Our management will have broad discretion over the use of the net proceeds from this offering, and our investors will be relying on the judgment of our management regarding the application of the net proceeds of this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Pending the use of the net proceeds from this offering as described above, we intend to invest the net proceeds in a variety of capital preservation instruments, including short-term, interest-bearing obligations, investment-grade instruments, certificates of deposit or direct or guaranteed obligations of the U.S. government. </font><font style="letter-spacing:-0.361pt;"> </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">58</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tDIPO">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:282pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">DIVIDEND POLICY</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <div style="margin-top:18pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We currently intend to pay quarterly cash dividends of $</font><font style="letter-spacing:-0.361pt;">0.24 </font><font style="letter-spacing:-0.038pt;">per share on our common stock beginning in the third quarter of 2025, representing an initial amount of $</font><font style="letter-spacing:-0.361pt;">15.6 </font><font style="letter-spacing:-0.038pt;">million per quarter, although any declaration of dividends will be at the discretion of our board of directors and will depend on our financial condition, earnings, liquidity and capital requirements, regulatory constraints, level of indebtedness, contractual restrictions with respect to payment of dividends, restrictions imposed by Delaware law, general business conditions and any other factors that our board of directors deems relevant in making such a determination. Therefore, there can be no assurance that we will pay any dividends to holders of our common stock, or as to the amount of any such dividends.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We also may consider share repurchase programs in the future to supplement our dividend policy. Our board of directors will need to approve any share repurchase program in the future, and it has not approved any such program at this time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Delaware law requires that dividends be paid only out of &#8220;surplus,&#8221; which is defined as the fair market value of our net assets, minus our stated capital, or out of the current or the immediately preceding year&#8217;s earnings. We are a holding company and have no direct operations. All of our business operations are conducted through our subsidiaries, with substantially all of such business conducted through our wholly owned indirect subsidiary Jefferson Capital Holdings, LLC. Any dividends we pay will depend upon the funds legally available for distribution, including dividends or distributions from our subsidiaries to us. Jefferson Capital Holdings, LLC&#8217;s ability to pay dividends or make distributions is limited by the Revolving Credit Facility and the indentures governing the Senior Notes, which may in turn limit our ability to declare and pay dividends on our common stock. Our ability to declare and pay dividends also may be limited by the terms of any future credit agreement or any future debt or preferred securities of ours or of our subsidiaries. Accordingly, you may need to sell your shares of common stock to realize a return on your investment, and you may not be able to sell your shares at or above the price you paid for them. See &#8220;Risk Factors</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Risks Related to This Offering and Ownership of Our Common Stock</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">There can be no assurance that we will continue to declare cash dividends or repurchase our shares at all or in any particular amounts.&#8221; </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">59</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tCAP">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">CAPITALIZATION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table sets forth our cash and cash equivalents and our capitalization as of March 31, 2025 on:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">an actual basis reflecting the financial position of Jefferson Capital Holdings, LLC;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">an as adjusted basis to give effect to the Reorganization and the issuance of 2030 Notes and the application of the net proceeds therefrom; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">an as further adjusted basis to give further effect to our issuance and sale of</font><font style="letter-spacing:-0.361pt;"> 625,000 </font><font style="letter-spacing:-0.038pt;">shares of our common stock in this offering at an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, after deducting underwriting discounts and commissions and estimated offering expenses payable by us, net of $1.4&#160;million of offering expenses paid as of March&#160;31, 2025, and the application of the net proceeds therefrom as described in the section titled &#8220;Use of Proceeds.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table does not include the distribution of $16 million that Jefferson Capital Holdings, LLC paid to members on May 9, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">The selling stockholders are also selling </font><font style="letter-spacing:-0.361pt;">9,375,000</font><font style="letter-spacing:-0.038pt;"> shares of common stock in this offering. We will not receive any proceeds from the sale of shares of our common stock by the selling stockholders in this offering, including from any exercise by the underwriters of their option to purchase additional shares from the selling stockholders.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">You should read this table together with the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; and our consolidated financial statements and the related notes included elsewhere in this prospectus. The as further adjusted information below is illustrative only and our capitalization following the completion of this offering will be adjusted based on the actual initial public offering price and other terms of this offering determined at pricing.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:20pt;height:20pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:293.61pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1pt 0pt; width:0pt;text-align:center;" colspan="16">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of MARCH 31, 2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Actual </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">As Adjusted </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS FURTHER </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTED</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:293.61pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="16">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">(in MILLIONS, except share and per </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">share amounts) </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 1.25pt 0pt; width:293.61pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">27.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">27.0</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:30pt; text-align:right; white-space:nowrap;">27.0 </td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Debt: </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Revolving Credit Facility</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">524.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">33.3</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">28.2 </td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">2026 Notes </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">300.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">300.0</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">300.0</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">2029 Notes </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">400.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">400.0</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">400.0</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">2030 Notes</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">500.0</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:30pt; text-align:right; white-space:nowrap;">500.0</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total debt </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,224.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,233.3</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">1,228.2</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Member&#8217;s/stockholders&#8217; equity: </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Contribution by member </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Preferred stock, par value $0.0001 per share; no shares authorized, </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">issued and outstanding, actual;</font><font style="letter-spacing:-0.361pt;"> 50,000,000</font><font style="letter-spacing:-0.038pt;"> shares authorized, </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">no shares issued or outstanding, as adjusted and as further </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">adjusted </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Common stock, par value $0.0001 per share; no shares authorized, </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">issued and outstanding, actual; </font><font style="letter-spacing:-0.361pt;">330,000,000</font><font style="letter-spacing:-0.038pt;"> shares authorized </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">and </font><font style="letter-spacing:-0.361pt;">57,629,236 </font><font style="letter-spacing:-0.038pt;">shares issued and outstanding, as adjusted</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(3)</font><font style="letter-spacing:-0.361pt;">; </font>
                  <br >
                  <font style="letter-spacing:-0.361pt;">50,000,000</font><font style="letter-spacing:-0.038pt;"> shares authorized and </font><font style="letter-spacing:-0.361pt;">58,254,236</font><font style="letter-spacing:-0.038pt;"> shares issued </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">and outstanding, as further adjusted</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Additional paid-in capital </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">42.1</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">51.7<font style="position:absolute;"><font style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8.8pt;"></font><font style=" position:relative; bottom:3pt;font-size:6pt;">(</font><font style=" position:relative; bottom:4pt;font-size:6pt;">4</font><font style=" position:relative; bottom:4pt;font-size:6pt;">)</font></font></td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Retained earnings </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">446.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">340.1</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30pt; text-align:right; white-space:nowrap;">334.2</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:1.25pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Accumulated other comprehensive income </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(11.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(11.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:30pt; text-align:right; white-space:nowrap;">(11.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:1pt 0pt 0.5pt 0pt; width:293.61pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total member&#8217;s/stockholders&#8217; equity </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">434.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">370.4</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:30pt; text-align:right; white-space:nowrap;">374.1</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 1.25pt 0pt; width:293.61pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total capitalization </font>
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              </td>
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              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,658.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">1,603.7 </td>
              <td style="padding:0pt;padding-left:1.92pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:30pt; text-align:right; white-space:nowrap;">1,602.4</td>
              <td style="padding:0pt;padding-left:0.359999999999999pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="20">&#8203;</td>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">60</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:183.24pt;margin-left:69.66pt;width:456pt;">

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
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          <div style=" line-height:8.3pt; text-align:left; margin-left:12pt;">
            <font style="letter-spacing:-0.028pt;">Each $1.00 increase or decrease in the assumed initial public offering price of $</font><font style="letter-spacing:-0.266pt;">16.00 </font><font style="letter-spacing:-0.028pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, would increase or decrease, as applicable, each of as further adjusted cash and cash equivalents, additional paid-in capital, total stockholders&#8217; equity and total capitalization by approximately $</font><font style="letter-spacing:-0.266pt;">0.6 </font><font style="letter-spacing:-0.028pt;">million, assuming that the number of shares of our common stock offered by us, as set forth on the cover page of this prospectus, remains the same, and after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us. Similarly, each increase or decrease of </font><font style="letter-spacing:-0.266pt;">100,000</font><font style="letter-spacing:-0.028pt;"> shares of our common stock offered by us would increase or decrease, as applicable, each of as further adjusted cash and cash equivalents, additional paid-in capital, total stockholders&#8217; equity and total capitalization by approximately $</font><font style="letter-spacing:-0.266pt;">1.5 </font><font style="letter-spacing:-0.028pt;">million, assuming that the assumed initial public offering price of $</font><font style="letter-spacing:-0.266pt;">16.00 </font><font style="letter-spacing:-0.028pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, remains the same, and after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us.</font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

        <div style=" float:left; line-height:8.3pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
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        <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:12pt;">
          <font style="letter-spacing:-0.028pt;">On May&#160;2, 2025, we issued $500.0&#160;million of the 2030 Notes. The proceeds therefrom, net of fees and expenses, of approximately $491.0 million were used to pay down the outstanding balance under the Revolving Credit Facility. See &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;8.250% </font><font style="letter-spacing:-0.028pt;">Senior Notes due 2030.&#8221;</font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
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          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:12pt;">
            <font style="letter-spacing:-0.028pt;">Contingent upon IPO, all unvested Class B units will be converted into 6,558,983 million unvested restricted shares at the IPO price, assumed here based on the midpoint of the range. Such unvested restricted shares have a time contingency that has not been met and are potentially dilutive. Therefore, these restricted shares are not included in either basic or diluted share counts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(</font><font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">4</font><font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">)</font>
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          <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:12pt;">
            <font style="letter-spacing:-0.028pt;">Reflects the impact of the Reorganization shown in the section titled &#8220;Unaudited Pro Forma Consolidated Financial Information.&#8221; $64.1&#160;million net impact includes a charge to recognize the estimated net deferred tax liabilities of approximately $72.4 million as of March 31, 2025 arising from the temporary differences between the historical cost basis and tax basis of our assets and liabilities as a result of the change in tax status due to the Reorganization, net of the contribution of federal NOLs, state NOLs and tax credit carryforwards that Jefferson Capital, Inc. will succeed to as part of the Reorganization. Also includes a positive impact of $8.3 million from the elimination in the Reorganization of a liability associated with the prior Long Term Incentive Plan. See &#8220;Unaudited Pro Forma Consolidated Financial Information&#8221; for more information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
            <font style="letter-spacing:-0.038pt;">The number of shares of our common stock to be outstanding after this offering is based on </font><font style="letter-spacing:-0.361pt;">64,188,219 </font><font style="letter-spacing:-0.038pt;">shares of our common stock outstanding as of March 31, 2025, after giving effect to the Reorganization, and based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus. Such number includes 6,558,98</font><font style="letter-spacing:-0.361pt;">3</font><font style="letter-spacing:-0.038pt;"> shares of restricted stock, which, based on an assumed initial public offering price of $16.00 per share, which is the midpoint of the price range set forth on the cover page of this prospectus, will be issued in respect of certain unvested profits interests held by executive officers, directors and employees that will be cancelled in connection with the Reorganization and this offering, and excludes:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">457,544</font><font style="letter-spacing:-0.038pt;"> shares of our common stock issuable upon the exercise of stock options we expect to grant in connection with the Reorganization and this offering in respect of certain profits interests that are out-of-the-money at the initial public offering price, assuming an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, to certain executive officers, directors and employees under our 2025 Plan, which will become effective in connection with this offering, at an exercise price equal to the distribution threshold of the out-of-the-money Class B Units multiplied by the exchange ratio; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;font-size:9.5pt;">
            <font style="letter-spacing:-0.361pt;">5,961,278</font><font style="letter-spacing:-0.038pt;"> remaining shares of our common stock reserved for future issuance under the 2025 Plan (after giving effect to the issuance of the options described above). Such number also excludes any shares that become issuable pursuant to provisions in the 2025 Plan that automatically increase the share reserve under the 2025 Plan. See &#8220;The Reorganization&#8221; and &#8220;Executive Compensation</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Equity Compensation</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Class&#160;B Unit Grants.&#8221; </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        </div>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">61</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">DILUTION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">If you invest in our common stock in this offering, your ownership interest will be immediately diluted to the extent of the difference between the initial public offering price per share of our common stock and the as further adjusted net tangible book value per share of our common stock after this offering. Dilution results from the fact that the per share offering price of the common stock is substantially in excess of the net tangible book value (deficit) per share attributable to the shares of common stock held by our pre-initial public offering equity holders.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">After giving effect to the Reorganization, our as adjusted net tangible book value as of March 31, 2025 was </font><font style="letter-spacing:-0.361pt;">$312.8 </font><font style="letter-spacing:-0.038pt;">million, or $</font><font style="letter-spacing:-0.361pt;">5.43 </font><font style="letter-spacing:-0.038pt;">per share, based on </font><font style="letter-spacing:-0.361pt;">57,629,236 </font><font style="letter-spacing:-0.038pt;">shares of our common stock outstanding after the Reorganization. Contingent upon IPO, all unvested Class B units will be converted into 6,558,983 million unvested restricted shares at the IPO price, assumed here based on the midpoint of the range. Such unvested restricted shares have a time contingency that has not been met and are potentially dilutive</font><font style="letter-spacing:-0.361pt;">. T</font><font style="letter-spacing:-0.038pt;">herefore, these restricted shares are not included in either basic or diluted share counts. After giving effect to the sale of our </font><font style="letter-spacing:-0.361pt;">625,000 </font><font style="letter-spacing:-0.038pt;">shares of common stock in this offering at an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us, our as further adjusted net tangible book value as of March 31, 2025 was $</font><font style="letter-spacing:-0.361pt;">316.5 </font><font style="letter-spacing:-0.038pt;">million, or $</font><font style="letter-spacing:-0.361pt;">5.43 </font><font style="letter-spacing:-0.038pt;">per share. This amount represents an immediate and substantial dilution of $</font><font style="letter-spacing:-0.361pt;">10.57 </font><font style="letter-spacing:-0.038pt;">per share to new investors purchasing common stock in this offering. As further adjusted net tangible book value per share represents the book value of our tangible assets less the book value of our total liabilities divided by the number of shares of common stock then issued and outstanding, after giving effect to the foregoing adjustments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table illustrates this dilution on a per share basis:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:11.5pt 0pt 0.5pt 0pt; width:359.46pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Assumed initial public offering price per share </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:11.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:11.5pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">16.00 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:359.46pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">As adjusted net tangible book value per share as of March 31, 2025 </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">5.43</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:359.46pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Increase in the as adjusted net tangible book value per share attributable to this offering </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">0.01 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:359.46pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">As further adjusted net tangible book value per share after this offering </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">5.43 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 3.167pt 0pt; width:359.46pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Dilution in as adjusted net tangible book value (deficit) per share of our common stock </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">to new investors purchasing common stock in this offering </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 2.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.333pt 0pt 2.417pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">10.57</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="15">&#8203;</td>
            </tr>
          </table>


          <div style="margin-top:7.3pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">A $1.00 increase (decrease) in the assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, would increase (decrease) the as further adjusted net tangible book value per share after this offering by approximately $</font><font style="letter-spacing:-0.361pt;">0.01</font><font style="letter-spacing:-0.038pt;">, and dilution in as further adjusted net tangible book value per share to new investors by approximately $</font><font style="letter-spacing:-0.361pt;">(0.01)</font><font style="letter-spacing:-0.038pt;">, assuming that the number of shares offered by us, as set forth on the cover page of this prospectus, remains the same and after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us. An increase of 1.0 million shares in the number of shares offered by us would increase our as further adjusted net tangible book value per share after this offering by $</font><font style="letter-spacing:-0.361pt;">0.08 </font><font style="letter-spacing:-0.038pt;">per share and decrease the dilution to new investors purchasing common stock in this offering to $</font><font style="letter-spacing:-0.361pt;">10.49 </font><font style="letter-spacing:-0.038pt;">per share, assuming the assumed initial public offering price remains the same and after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us. A decrease of 1.0 million shares in the number of shares offered by us would decrease our as further adjusted net tangible book value per share after this offering by </font><font style="letter-spacing:-0.361pt;">$0.08 </font><font style="letter-spacing:-0.038pt;">per share and increase the dilution to new investors purchasing common stock in this offering to $</font><font style="letter-spacing:-0.361pt;">10.65 </font><font style="letter-spacing:-0.038pt;">per share, assuming the assumed initial public offering price remains the same and after deducting estimated underwriting discounts and commissions and estimated offering expenses payable by us.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>


          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">The following table summarizes on the pro forma as adjusted basis described above, as of May 31, 2025, the difference between the number of shares of common stock purchased from us, the total consideration paid or to be paid and the average price per share paid or to be paid by our existing stockholders and new investors in this offering at an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus, before deducting estimated underwriting discounts </font>
          </div>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">62</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:227pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">and commissions and estimated offering expenses payable by us. As the table shows, new investors purchasing common stock in this offering will pay an average price per share substantially higher than our existing stockholders paid.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:185.39pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares of Common </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Stock Purchased </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total Consideration </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
                <div style="text-align:center; line-height:10.5pt; padding-bottom:0.833333333333333pt;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Average Price</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Per Share</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Common </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Stock </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;height:24pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:185.39pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Number </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percent </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">(IN MILLIONS)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percent </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:185.39pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Existing stockholders </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">54,813,219</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">84.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.15pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;"> 121.3</td>
              <td style="padding:0pt;padding-left:7.15pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">43.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;"> 2.21</td>
              <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:185.39pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">New investors </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">10,000,000</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">15.4<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.15pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">160.0</td>
              <td style="padding:0pt;padding-left:7.15pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">56.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.905pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">16.00</td>
              <td style="padding:0pt;padding-left:9.905pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 3pt 0pt; width:185.39pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Total </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">64,813,219</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">100.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.15pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">281.3</td>
              <td style="padding:0pt;padding-left:7.15pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">100.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:2.055pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.34</td>
              <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
            </tr>
          </table>


          <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">A $1.00 increase (decrease) in the assumed initial offering price would increase (decrease) total consideration paid by new investors, total consideration paid by all stockholders and average price per share paid by all stockholders by $</font><font style="letter-spacing:-0.361pt;">10.0 </font><font style="letter-spacing:-0.038pt;">million, $</font><font style="letter-spacing:-0.361pt;">10.0 </font><font style="letter-spacing:-0.038pt;">million and $</font><font style="letter-spacing:-0.361pt;">0.15 </font><font style="letter-spacing:-0.038pt;">per share, respectively. An increase (decrease) of</font><font style="letter-spacing:-0.361pt;"> 100,000 </font><font style="letter-spacing:-0.038pt;">in the number of shares of our common stock offered by us in this offering would increase (decrease) total consideration paid by new investors, total consideration paid by all stockholders and average price per share paid by all stockholders by $</font><font style="letter-spacing:-0.361pt;">1.5 </font><font style="letter-spacing:-0.038pt;">million, $</font><font style="letter-spacing:-0.361pt;">1.5 </font><font style="letter-spacing:-0.038pt;">million and $</font><font style="letter-spacing:-0.361pt;">0.15 </font><font style="letter-spacing:-0.038pt;">per share, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The above discussion and tables are based on an assumed number of shares of our common stock outstanding upon completion of this offering. In addition, we may choose to raise additional capital due to market conditions or strategic considerations even if we believe we have sufficient funds for our current or future operating plans. To the extent additional capital is raised through the sale of equity or convertible debt securities, the issuance of such securities could result in further dilution to our stockholders.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Except as otherwise indicated, the above discussion and tables assume no exercise of the underwriters&#8217; option to purchase additional shares of our common stock from the selling stockholders. If the underwriters exercise in full their option to purchase additional shares of our common stock, our existing stockholders would own</font><font style="letter-spacing:-0.361pt;"> 82.3%</font><font style="letter-spacing:-0.038pt;"> and our new investors would own</font><font style="letter-spacing:-0.361pt;"> 17.7%</font><font style="letter-spacing:-0.038pt;"> of the total number of shares of our common stock outstanding upon completion of this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The foregoing discussion does not reflect any potential purchases made by participants in the directed share program that are associated with us. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">63</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tTHRE">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">THE REORGANIZATION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <div style="margin-top:18pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Jefferson Capital, Inc., a Delaware corporation, was formed in connection with this offering and is the issuer of the common stock offered by this prospectus. Prior to this offering, our business operations have generally been conducted through Jefferson Capital Holdings, LLC and its subsidiaries. JCAP TopCo, LLC is a holding company and the direct parent of Jefferson Capital Holdings, LLC. JCAP TopCo, LLC is currently owned by (i)&#160;entities affiliated with J.C. Flowers, (ii)&#160;members of Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC, and (iii)&#160;former equity holders of Canaccede. The following chart provides a simplified overview of our existing structure. The chart is provided for illustrative purposes only and does not represent all legal entities affiliated with us, or our obligations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="position:relative;margin-top:10.6pt; text-align:center; width:456pt;">
          <img src="fc_reorganization-bw.jpg" alt="[MISSING IMAGE: fc_reorganization-bw.jpg]" height="286" width="372" >
        </div>
        <div style="margin-top:6.19pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:6.4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:5.4pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:12pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Issuer of the 2026 Notes, 2029 Notes and 2030 Notes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:12pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">CL Holdings, LLC, Jefferson Capital Systems, LLC, JC International Acquisition, LLC and CFG Canada Funding, LLC, four of our operating subsidiaries, are the Borrowers under the Revolving Credit Facility. For further information, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Revolving Credit Facility.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Following a series of transactions that we will engage in immediately prior to the completion of this offering, which we refer to collectively as the &#8220;Reorganization,&#8221; Jefferson Capital, Inc. will become a holding company with no material assets other than 100% of the equity interests in JCAP TopCo, LLC, which will remain a holding company with no material assets other than 100% of the equity interests in Jefferson Capital Holdings, LLC. Jefferson Capital, Inc. will also succeed to federal NOLs, state NOLs and tax carryforwards under Section&#160;381 of the Code as a result of its acquisition in the Reorganization of certain affiliated corporations that held direct or indirect equity interests in JCAP TopCo, LLC. As indirect parent of Jefferson Capital Holdings, LLC following the Reorganization and this offering, Jefferson Capital, Inc. will operate and control all of the business and affairs, and consolidate the financial results of, Jefferson Capital Holdings, LLC and its subsidiaries. </font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">To effect the Reorganization, the current direct and indirect owners of JCAP TopCo, LLC will, among other things, exchange their direct and indirect interests in JCAP TopCo, LLC for shares of our common stock. As a result of the Reorganization and after giving effect to the completion of this offering at an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">the investors in this offering will collectively own</font><font style="letter-spacing:-0.361pt;"> 15.4</font><font style="letter-spacing:-0.038pt;">% of the outstanding shares of our common stock (or</font><font style="letter-spacing:-0.361pt;"> 17.7</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders);</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">the JCF Stockholders will collectively own</font><font style="letter-spacing:-0.361pt;"> 68.9</font><font style="letter-spacing:-0.038pt;">% of the outstanding shares of our common stock (or</font><font style="letter-spacing:-0.361pt;"> 67.5</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders);</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">64</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:173.31pt;margin-left:69.66pt;width:456pt;">

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">the Management Stockholders will collectively own</font><font style="letter-spacing:-0.361pt;"> 15.7</font><font style="letter-spacing:-0.038pt;">% of the outstanding shares of our common stock (or</font><font style="letter-spacing:-0.361pt;"> 14.8</font><font style="letter-spacing:-0.038pt;">% if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders); and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">the Former Canaccede Stockholders will collectively own none of the outstanding shares of our common stock, as they will be selling all of the 1,612,721 shares of common stock that they receive in the Reorganization in this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
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          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The number of shares of common stock that will be received by the JCF Stockholders, the Former Canaccede Stockholders and the Management Stockholders in exchange for the 132,828,019 Class A Units and Class&#160;C Units of JCAP TopCo, LLC outstanding immediately prior to the Reorganization will be based on an exchange ratio of one share of our common stock for every </font><font style="letter-spacing:-0.361pt;">2.4150549</font><font style="letter-spacing:-0.038pt;"> interests in JCAP TopCo, LLC, resulting in an aggregate of </font><font style="letter-spacing:-0.361pt;">55,000,000</font><font style="letter-spacing:-0.038pt;"> shares of our common stock being issued in exchange for such Class&#160;A Units and Class C Units. In addition, based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, an aggregate of </font><font style="letter-spacing:-0.361pt;">9,188,219 </font><font style="letter-spacing:-0.038pt;">shares of common stock will be issued in exchange for the 27,937,232 Class B Units of JCAP TopCo, LLC outstanding immediately prior to the Reorganization, resulting in a total of</font><font style="letter-spacing:-0.361pt;"> 64,188,219 </font><font style="letter-spacing:-0.038pt;">shares of common stock outstanding immediately after the Reorganization and before giving effect to this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The number of shares of common stock that the Management Stockholders will collectively receive pursuant to the Reorganization will be based in part on the value that Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC would have received under the distribution provisions of the limited liability agreement of JCAP TopCo, LLC, with shares of our common stock valued by reference to the ultimate initial public offering price of shares of common stock in this offering. Specifically, of the</font><font style="letter-spacing:-0.361pt;"> 10,144,779 </font><font style="letter-spacing:-0.038pt;">shares of common stock to be issued to the Management Stockholders in the Reorganization, </font><font style="letter-spacing:-0.361pt;">9,188,219 </font><font style="letter-spacing:-0.038pt;">shares will be issued in respect of Class&#160;B Units of Management Invest</font><font style="letter-spacing:-0.361pt;">, LLC </font><font style="letter-spacing:-0.038pt;">(which correspond to Class&#160;B Units of JCAP TopCo, LLC) that are &#8220;in-the-money&#8221; but remain subject to certain vesting conditions specified in individual award agreements. These shares will be issued as restricted stock either with the same time-based vesting requirements that the corresponding Class B Units were subject to prior to the Reorganization or, if such corresponding Class B Units had performance vesting requirements, with a three year time-vesting requirement. If the vesting conditions of the restricted stock are not satisfied, such restricted stock will be forfeited and canceled. See &#8220;The Reorganization&#8221; and &#8220;Executive Compensation</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Equity Compensation</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Class B Unit Grants.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The following chart illustrates our simplified structure following the Reorganization and this offering, assuming an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share of common stock, which is the midpoint of the price range set forth on the cover page of this prospectus, and assuming no exercise of the underwriters&#8217; option to purchase additional shares of our common stock. The chart is provided for illustrative purposes only and does not represent all legal entities affiliated with us, or our obligations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
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          <font style="letter-spacing:-0.028pt;">Issuer of the 2026 Notes, 2029 Notes and 2030 Notes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
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          <font style="letter-spacing:-0.028pt;">CL Holdings, LLC, Jefferson Capital Systems, LLC, JC International Acquisition, LLC and CFG Canada Funding, LLC, four of our operating subsidiaries, are the Borrowers under the Revolving Credit Facility. For further information, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Revolving Credit Facility.&#8221;</font>
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          <font style="letter-spacing:-0.342pt;">66</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">UNAUDITED PRO FORMA CONSOLIDATED FINANCIAL INFORMATION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The following unaudited pro&#160;forma consolidated financial statements have been prepared in accordance with Article&#160;11 of Regulation&#160;S-X, as amended, to reflect the impact of the Reorganization described in &#8220;The Reorganization&#8221; and this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11pt;">
          <font style="letter-spacing:-0.038pt;">The unaudited pro&#160;forma consolidated balance sheet as of March 31, 2025 presents Jefferson Capital, Inc.&#8217;s consolidated financial position after giving pro&#160;forma effect to the Reorganization and this offering and the application of the net proceeds therefrom as described in the section titled &#8220;Use of Proceeds,&#8221; as if they had occurred on March 31, 2025. The unaudited pro&#160;forma consolidated statement of operations and comprehensive income for the three months ended March 31, 2025 and for the year ended December&#160;31, 2024 presents Jefferson Capital, Inc.&#8217;s consolidated results of operations after giving pro&#160;forma effect to the Reorganization and this offering and the application of the net proceeds therefrom as described in the section titled &#8220;Use of Proceeds,&#8221;, as if they had occurred on January&#160;1, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have derived the unaudited pro&#160;forma consolidated balance sheet as of March 31, 2025 and the unaudited pro&#160;forma consolidated statement of operations and comprehensive income for the three months ended March 31, 2025 and for the year ended December&#160;31, 2024 from the consolidated financial statements and related notes of Jefferson Capital Holdings, LLC included elsewhere in this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The unaudited pro&#160;forma consolidated financial information reflects adjustments that are described in the accompanying notes and are based on available information and certain assumptions we believe are reasonable but are subject to change. The unaudited pro&#160;forma consolidated financial information has been prepared on the basis that we will be taxed as a corporation for U.S. federal and state income tax purposes and, accordingly, will become a taxpaying entity subject to U.S. federal, state and foreign income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The unaudited pro&#160;forma consolidated financial information is provided for informational purposes only and is not necessarily indicative of the results of operations or financial position that would have occurred if the Reorganization and this offering had occurred as of the dates set forth above, nor is it indicative of our future results.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The unaudited pro forma consolidated financial information does not include the distribution of $16 million that Jefferson Capital Holdings, LLC paid to members on May 9, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11pt;">
          <font style="letter-spacing:-0.038pt;">The unaudited pro&#160;forma consolidated financial information should be read together with the sections titled &#8220;Basis of Presentation,&#8221; &#8220;The Reorganization,&#8221; &#8220;Use of Proceeds,&#8221; &#8220;Capitalization,&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; and Jefferson Capital Holdings, LLC&#8217;s audited consolidated financial statements and the related notes thereto included elsewhere in this prospectus. </font>
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          <font style="letter-spacing:0.5pt;">The Reorganization and This Offering</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11pt;">
          <font style="letter-spacing:-0.038pt;">Jefferson Capital, Inc., a Delaware corporation, was formed in connection with this offering and is the issuer of the common stock offered by this prospectus. Prior to this offering, our business operations have generally been conducted through Jefferson Capital Holdings, LLC and its subsidiaries. JCAP TopCo, LLC is a holding company and the direct parent of Jefferson Capital Holdings, LLC. Following a series of transactions that we will engage in immediately prior to the completion of this offering, which we refer to collectively as the &#8220;Reorganization,&#8221; Jefferson Capital, Inc. will become a holding company with no material assets other than 100% of the equity interests in JCAP TopCo, LLC, which will remain a holding company with no material assets other than 100% of the equity interests in Jefferson Capital Holdings, LLC. Jefferson Capital, Inc. will also succeed to federal NOLs, state NOLs and tax credit carryforwards under Section 381 of the Code as a result of its acquisition in the Reorganization of certain affiliated corporations that held direct or indirect equity interests in JCAP TopCo, LLC. As indirect parent of Jefferson Capital Holdings, LLC following the Reorganization and this offering, Jefferson Capital, Inc. will operate and control all of the business and affairs, and consolidate the financial results of, Jefferson Capital Holdings, LLC and its subsidiaries. Since Jefferson Capital, Inc. will have no material assets or results of operations until the completion of the Reorganization and this offering, its historical financial information is not included in the unaudited pro&#160;forma consolidated information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11pt;">
            <font style="letter-spacing:-0.038pt;">For purposes of the unaudited pro&#160;forma consolidated financial information presented in this prospectus, we have assumed that the shares offered by this prospectus are sold at an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus, and that Jefferson Capital, Inc. will issue and sell </font><font style="letter-spacing:-0.361pt;">625,000</font><font style="letter-spacing:-0.038pt;"> shares of common stock in this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">67</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">UNAUDITED PRO FORMA CONSOLIDATED BALANCE SHEET</font>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">AS OF March 31, 2025</font>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">(AMOUNTS IN MILLIONS EXCEPT UNIT AND SHARE DATA)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Actual</font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jefferson Capital </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Holdings, LLC </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Reorganization </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Adjustments </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Pro</font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Forma</font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jefferson </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Capital, Inc. </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">OFFERING </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTMENTS </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRO FORMA </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS ADJUSTED </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL, INC. </font>
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                <font style="letter-spacing:-0.038pt;">Assets </font>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">27.0</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">27.0</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212; </td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">27.0 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:144.03pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Restricted cash and cash equivalents </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">3.4</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">3.4</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">3.4</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Investments in receivables, net </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,561.6</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,561.6</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,561.6</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:144.03pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Credit card receivables (net of allowance for credit losses of </font><font style="letter-spacing:-0.361pt;">$1,907) </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">16.0</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">16.0</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">16.0</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">41.0</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">41.0</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">(1.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">(D<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">39.6 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Other intangible assets, net </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">9.0 </td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">9.0 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">9.0 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Goodwill </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">57.7</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">57.7</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">57.7</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total assets </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,715.7 </td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.75pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,715.7 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">(1.4<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">1,714.3 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.325pt 0pt 0.5pt 0pt; width:144.03pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Liabilities and Member&#8217;s / Stockholders&#8217; Equity </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Liabilities: </font>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:144.03pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">67.0</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">(8.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.361pt;">(A)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">58.7</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">58.7</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Deferred tax liability </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2.0</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">72.4</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:12.66pt;">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.361pt;">(B) </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">74.4</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">74.4</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Notes payable, net </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,212.0</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,212.0</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">(5.1<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:9pt; text-align:right; white-space:nowrap;">(D<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">1,206.9 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:19pt;">
                  <font style="letter-spacing:-0.038pt;">Total liabilities </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,281.0</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">64.1</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,345.1</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">(5.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,340.0 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:144.03pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Commitments and contingencies </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Member&#8217;s / Stockholders&#8217; Equity: </font>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Contribution by member </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Common stock, par value </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">$0.0001 per share; no shares </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">authorized, issued and </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">outstanding, actual; &#8199;&#8199;&#8199;&#8199;&#8199; </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">shares authorized and </font>
                  <br >
                  <font style="letter-spacing:-0.361pt;">57,629,236 </font><font style="letter-spacing:-0.038pt;">shares issued </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">and outstanding, pro&#160;forma; </font>
                  <br >
                  <font style="letter-spacing:-0.361pt;">330,000,000</font><font style="letter-spacing:-0.038pt;"> shares </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">authorized and </font><font style="letter-spacing:-0.361pt;">58,254,236 </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">shares issued and </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">outstanding, pro forma as </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">adjusted </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Additional paid-in capital </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">42.1</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:12.66pt;">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.361pt;">(C) </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">42.1</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">9.6</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">(E<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">51.7</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Retained earnings </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">446.3 </td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:25.5pt; text-align:right; white-space:nowrap;">(106.3<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:12.66pt;">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.361pt;">(C)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">340.1</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">(5.9<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">(E<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">334.2 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:144.03pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Accumulated other comprehensive income </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(11.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(11.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">(11.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:1pt 0pt 0.5pt 0pt; width:144.03pt;text-align:left;">
                <div style="margin-left:19pt;">
                  <font style="letter-spacing:-0.038pt;">Total equity </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">434.6</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:25.5pt; text-align:right; white-space:nowrap;">(64.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:1pt 0pt 0.5pt 0pt; width:12.66pt;">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.361pt;">(F)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">370.4 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">3.7</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:9pt; text-align:right; white-space:nowrap;">(F<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">374.1</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.575pt 0pt 12.75pt 0pt; width:144.03pt;white-space:normal;text-align:left;">
                <div style="margin-left:28.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total liabilities and member&#8217;s&#160;/ stockholders&#8217; equity </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,715.7 </td>
              <td style="padding:0pt;padding-left:12.435pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:25.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:10.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.75pt 0pt; width:12.66pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,715.7 </td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">(1.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:12.485pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.575pt 0pt 12pt 0pt;border-bottom:3pt double #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">1,714.3</td>
              <td style="padding:0pt;padding-left:2.44pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:10.25pt;line-height:10.25pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="41">&#8203;</td>
            </tr>
          </table>

        <div style="margin-top:8.7pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">See accompanying notes to unaudited pro&#160;forma consolidated financial information.<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">68</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">UNAUDITED PRO FORMA CONSOLIDATED STATEMENT OF OPERATIONS AND</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">COMPREHENSIVE INCOME</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">FOR THE THREE MONTHS ENDED MARCH 31, 2025</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">(AMOUNTS IN MILLIONS EXCEPT UNIT AND SHARE DATA)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Actual</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jefferson </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Capital </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Holdings, LLC </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Reorganization </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Adjustments </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Pro</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Forma</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jefferson </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Capital, Inc. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">OFFERING </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTMENTS </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRO FORMA </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS ADJUSTED </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL, INC. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Revenues: </font>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total&#160;portfolio income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">138.7</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">138.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&nbsp;&nbsp;&nbsp;&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">138.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Changes in recoveries </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.6</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">3.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">3.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.75pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:19pt;">
                  <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">142.3</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">142.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">142.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">1.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">10.7</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">10.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">10.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.75pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:19pt;">
                  <font style="letter-spacing:-0.038pt;">Total revenues </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">154.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">154.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">154.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">0.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Operating expenses: </font>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">14.0</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">14.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">14.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">42.8</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">42.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">42.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:133.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">1.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Professional fees </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.2</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">2.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Canaccede exit </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">consideration </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:133.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">4.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">4.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0.75pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:19pt;">
                  <font style="letter-spacing:-0.038pt;">Total operating expenses </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">65.1</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">65.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">65.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.75pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:28.5pt;">
                  <font style="letter-spacing:-0.038pt;">Net operating income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">89.3</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">89.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">89.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Other income (expense): </font>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Interest expense </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(24.8<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(24.8<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">(CC<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">(24.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:133.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.5</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">2.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">2.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:133.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:28.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(22.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(22.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">(22.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.75pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Income before income taxes </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">67.0</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">67.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">67.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Provision for income taxes </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(13.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:1pt 0pt 0.5pt 0pt; width:10pt;">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.361pt;">(AA)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(16.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">(16.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.75pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Net Income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">64.2</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(13.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">50.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">50.7 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:133.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Net income attributable to noncontrolling interest </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Income attributable to Jefferson </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">Capital Holdings, LLC </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">64.2</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(13.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.75pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">50.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">50.7 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.075pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Foreign currency </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">translation </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.075pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">3.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Comprehensive income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">68.1</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(13.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.75pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">54.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:46.5pt; text-align:right; white-space:nowrap;">54.6 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.075pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma net income per share </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">attributable to common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stockholders: </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.88</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">0.11 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">0.87 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Diluted </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.88</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">0.11 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">0.87 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro forma weighted-average </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">common shares outstanding: </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1pt 0pt 0.5pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">57,629,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">625,000 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 0.5pt 0pt; min-width:46.5pt; text-align:right; white-space:nowrap;">58,254,236 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:1pt 0pt 12pt 0pt; width:133.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Diluted </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:0.75pt solid #000000; ;padding:0pt 0pt 12pt 0pt; width:10pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">57,629,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:35.25pt; text-align:right; white-space:nowrap;">625,000 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-2.385pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:46.5pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

        <div style="margin-top:7.5pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">See accompanying notes to unaudited pro&#160;forma consolidated financial information.<font style="font-style:normal;letter-spacing:-0.361pt;"> </font></div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">69</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">UNAUDITED PRO FORMA CONSOLIDATED STATEMENT OF OPERATIONS AND </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">COMPREHENSIVE INCOME</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">FOR THE YEAR ENDED DECEMBER 31, 2024</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">(AMOUNTS IN MILLIONS EXCEPT UNIT AND SHARE DATA)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Actual</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jefferson </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Capital </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Holdings, LLC </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Reorganization </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Adjustments </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Pro</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Forma</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jefferson </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Capital, Inc. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">OFFERING </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTMENTS </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRO FORMA </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS ADJUSTED </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL, INC. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Revenues: </font>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total&#160;portfolio income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">396.3</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">396.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&nbsp;&nbsp;&nbsp;&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">396.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:1.5pt 0pt 0.75pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Changes in recoveries </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:19pt;">
                  <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">395.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">395.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">395.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.3</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">8.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">8.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:1.5pt 0pt 0.75pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">29.1</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">29.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">29.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:19pt;">
                  <font style="letter-spacing:-0.038pt;">Total revenues </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">433.3</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">433.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">433.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.5</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Operating expenses: </font>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">48.1</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">48.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">48.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">130.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">130.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">130.9</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:129.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Professional fees </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.4</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">11.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">11.4</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:129.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:129.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.8</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">8.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">8.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:28.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total operating </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">expenses </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">209.5</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">209.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">209.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:28.5pt;">
                  <font style="letter-spacing:-0.038pt;">Net operating income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">220.3</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">220.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">220.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Other income (expense): </font>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Interest expense </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(77.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(77.2<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">0.4 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">(DD<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(76.8<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:129.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(5.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(5.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(5.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:0.825pt 0pt 0.5pt 0pt; width:129.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:28.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(82.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(82.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">0.4 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.825pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(82.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Income before income taxes </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">137.6</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">137.6 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">0.4 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">138.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:1.5pt 0pt 0.75pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Provision for income taxes </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(8.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(23.9<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:1px solid #CCEEFF;padding:1.5pt 0pt 0.75pt 0pt; width:12pt;">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.361pt;">(BB)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(32.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">) </font></td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(32.7<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.25pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Net Income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">128.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(23.9<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">105.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">0.3 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.25pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">105.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.75pt 0pt; width:129.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Income attributable to Jefferson Capital Holdings, </font><font style="letter-spacing:-0.361pt;">LLC </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">128.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(23.9<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.75pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">105.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">0.3 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">105.3 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.75pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(14.0<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(14.0<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(14.0<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.583pt 0pt; width:129.77pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Comprehensive income </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">114.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(23.9<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.75pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">91.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">0.3 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">91.3 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.575pt 0pt 0.5pt 0pt; width:129.77pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma net income per share attributable to common stockholders: </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1.82</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">0.47 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1.81 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Diluted </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1.82</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">0.47 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1.81 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro forma weighted-average </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">common shares outstanding: </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td colspan="6">&#8203;</td>
              <td colspan="6">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:1.5pt 0pt 0.5pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">57,629,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">625,000</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:1.5pt 0pt 12pt 0pt; width:129.77pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Diluted </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="border-bottom:0.75pt solid #000000; ;padding:0pt 0pt 12pt 0pt; width:12pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.5pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">57,629,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.5pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">625,000</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:14.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:-1.915pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.25pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.5pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.5pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

        <div style="margin-top:7.5pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">See accompanying notes to unaudited pro&#160;forma consolidated financial information.<font style="font-style:normal;letter-spacing:-0.361pt;"> </font></div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">70</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Notes to Unaudited Pro Forma Consolidated Financial Information</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">1. Basis of Presentation and Description of the Transactions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The unaudited pro&#160;forma consolidated balance sheet as of March 31, 2025 assumes the Reorganization and this offering occurred on March 31, 2025. The unaudited pro&#160;forma consolidated statement of operations and comprehensive income for the three months ended March 31, 2025 and for the year ended December&#160;31, 2024 presents the pro&#160;forma effect of the Reorganization and this offering as if they had occurred on January&#160;1, </font><font style="letter-spacing:-0.361pt;">2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Reorganization and This Offering</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Jefferson Capital, Inc., the issuer in this offering, was formed in connection with this offering to serve as a holding company that will indirectly wholly own Jefferson Capital Holdings, LLC and its subsidiaries. Jefferson Capital, Inc. has not engaged in any business or other activities other than those incidental to its formation, the Reorganization described herein and the preparation of this prospectus and the registration statement of which this prospectus forms a part.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Following a series of transactions that Jefferson Capital, Inc. will engage in immediately prior to the completion of this offering, which are referred to collectively as the &#8220;Reorganization,&#8221; Jefferson Capital, Inc. will become a holding company with no material assets other than 100% of the equity interests in JCAP TopCo, LLC, which will remain a holding company with no material assets other than 100% of the equity interests in Jefferson Capital Holdings, LLC. Jefferson Capital, Inc. will also succeed to federal NOLs, state NOLs and of tax credit carryforwards under Section 381 of the Code as a result of its acquisition in the Reorganization of certain affiliated corporations that held direct or indirect equity interests in JCAP TopCo, LLC. As indirect parent of Jefferson Capital Holdings, LLC following the Reorganization and this offering, Jefferson Capital, Inc. will operate and control all of the business and affairs and consolidate the financial results of Jefferson Capital Holdings, LLC and its subsidiaries.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">To effect the Reorganization, the current direct and indirect owners of JCAP TopCo, LLC, which include (i)&#160;entities affiliated with J.C. Flowers, (ii)&#160;members of Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC, an entity through which employees of JCAP TopCo, LLC and its subsidiaries and certain of our directors hold equity interests, and (iii)&#160;former equity holders of Canaccede, will, among other things, exchange their direct and indirect interests in JCAP TopCo, LLC for shares of Jefferson Capital, Inc.&#8217;s common stock. The entities affiliated with J.C. Flowers, members of Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC and former stockholders of Canaccede who will own shares of Jefferson Capital, Inc&#8217;s common stock following the Reorganization and this offering are referred to as the &#8220;JCF Stockholders,&#8221; &#8220;Management Stockholders&#8221; and &#8220;Former Canaccede Stockholders,&#8221; respectively. The number of shares of common stock that the Management Stockholders will collectively receive pursuant to the Reorganization will be based in part on the value that Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC would have received under the distribution provisions of the limited liability agreement of JCAP TopCo, LLC, with shares of our common stock valued by reference to the ultimate initial public offering price of shares of common stock in this offering. The unaudited pro&#160;forma consolidated financial information presented assumes an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share of our common stock, which is the midpoint of the price range set forth on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>


          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The number of shares of common stock that are outstanding on a pro&#160;forma basis in the pro&#160;forma balance sheet excludes</font><font style="letter-spacing:-0.361pt;"> 6,558,983 </font><font style="letter-spacing:-0.038pt;">shares that are to be issued in respect of Class&#160;B Units of Management Invest</font><font style="letter-spacing:-0.361pt;">, LLC </font><font style="letter-spacing:-0.038pt;">(which correspond to Class&#160;B Units of JCAP TopCo, LLC) that are &#8220;in-the-money&#8221; but remain subject to certain vesting conditions specified in individual award agreements. These shares will be issued as restricted stock either with the same time-based vesting requirements that the corresponding Class&#160;B Units were subject to prior to the Reorganization or, if such corresponding Class&#160;B Units had performance vesting requirements, with a three-year time-based vesting requirement. Although these restricted shares will be legally issued and outstanding, they will not be considered outstanding under accounting principles generally accepted in the United States of America, since they remain subject to time-based vesting requirements and repurchase by the Company until they have vested.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">See &#8220;The Reorganization&#8221; for a description of the Reorganization and a chart depicting Jefferson Capital, Inc.&#8217;s structure after giving effect to the Reorganization and this offering. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">71</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">2. Adjustments to Unaudited Pro Forma Consolidated Financial Information</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Reorganization-related Adjustments to Unaudited Pro Forma Consolidated Balance Sheet</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Transaction accounting adjustments included in the unaudited pro&#160;forma consolidated balance sheet as of March 31, 2025 for the Reorganization are as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:5pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">(A)&nbsp;&nbsp;&nbsp;Represents the elimination of the $8.3&#160;million liability associated with the prior Long Term Incentive Plan as the Class B Units will be exchanged into newly issued shares or canceled in the Reorganization.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-left:20pt; margin-top:5pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">(B)&nbsp;&nbsp;&nbsp;Jefferson Capital, Inc. is subject to U.S. federal, state and local income taxes and will file consolidated income tax returns for U.S. federal and certain state and local jurisdictions. This adjustment reflects the recognition of deferred taxes resulting from Jefferson Capital, Inc.&#8217;s status as a C corporation using the federal statutory tax rate in effect for the respective periods and the applicable state tax rates. Jefferson Capital, Inc. will succeed to federal NOLs, state NOLs and tax credit carryforwards on a tax-effected basis under Section 381 of the Code, as a result of its acquisition in the Reorganization of certain affiliated corporations that held direct or indirect equity interests in JCAP TopCo, LLC. Temporary differences in the book basis as compared to the tax basis in the Company&#8217;s net investment in receivables portfolios and its other assets and liabilities resulted in an unaudited pro&#160;forma tax-effected deferred tax liability, resulting in an additional net deferred tax liability of $72.4&#160;million as of March 31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-left:20pt; margin-top:5pt; width:436pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">(C)&nbsp;&nbsp;&nbsp;Represents the exchange of direct and indirect interests in JCAP TopCo, LLC for</font><font style="letter-spacing:-0.361pt;"> 57,629,236 </font><font style="letter-spacing:-0.038pt;">shares of Jefferson Capital, Inc.&#8217;s common stock pursuant to the Reorganization, including </font><font style="letter-spacing:-0.361pt;">2,629,236 </font><font style="letter-spacing:-0.038pt;">shares issued to retire the Long Term Incentive Plan under (A). Excludes 6,558,</font><font style="letter-spacing:-0.361pt;">983 </font><font style="letter-spacing:-0.038pt;">restricted shares contingently issued at IPO to management that are subject to a time contingency that has not been met and are considered to be potentially dilutive.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Offering-related Adjustments to Unaudited Pro Forma Consolidated Balance Sheet</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:5pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Transaction accounting adjustments included in the unaudited pro&#160;forma consolidated balance sheet as of March 31, 2025 for this offering are as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-left:20pt; margin-top:5pt; width:436pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">(D)&nbsp;&nbsp;&nbsp; Represents our use of approximately $</font><font style="letter-spacing:-0.361pt;">5.1 </font><font style="letter-spacing:-0.038pt;">million in cash from the $3.7&#160;million in</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">net proceeds from this offering and the $1.4&#160;million of the offering expenses that we have already prepaid as of March&#160;31, 202</font><font style="letter-spacing:-0.361pt;">5</font><font style="letter-spacing:-0.038pt;"> to repay outstanding borrowings under the Revolving Credit Facility, as described in the section titled &#8220;Use of Proceeds.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-left:20pt; margin-top:5pt; width:436pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">(E)&nbsp;&nbsp;&nbsp;Represents net proceeds to us of approximately $</font><font style="letter-spacing:-0.361pt;">3.7</font><font style="letter-spacing:-0.038pt;"> million from our sale of </font><font style="letter-spacing:-0.361pt;">625,000</font><font style="letter-spacing:-0.038pt;"> shares of our common stock in this offering at an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus, after deducting estimated underwriting discounts and commissions and payment of one-time incremental costs associated with this offering. The sum of these costs, which are primarily legal, accounting and other direct costs related to this offering, is approximately $</font><font style="letter-spacing:-0.361pt;">6.3 </font><font style="letter-spacing:-0.038pt;">million. We expect to expense approximately $5.9&#160;million of these costs and apply $0.4&#160;million against the additional paid in capital from our gross proceeds.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-left:20pt; margin-top:5pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">(F)&nbsp;&nbsp;&nbsp;Represents the net impact to equity from the combination of the impacts to assets and liabilities from (A), (B) and (E).</font>
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        <div style="margin-top:5pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Reorganization-related Adjustments to Unaudited Pro Forma Consolidated Statement of Operations and Comprehensive Income</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:5pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Transaction accounting adjustments included in the unaudited pro&#160;forma consolidated statement of operations and comprehensive income for the three months ended March 31, 2025 and for the year ended December&#160;31, 2024 for the Reorganization are as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-left:20pt; margin-top:5pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">(AA)&nbsp;&nbsp;&nbsp;Prior to the Reorganization, Jefferson Capital Holdings, LLC and its subsidiaries are subject to income taxes only on their non-U.S. operations, primarily in Canada, the United Kingdom and Colombia. Following the Reorganization and this offering, Jefferson Capital, Inc. will be subject to U.S. federal, state and local income taxes. As a result, the pro forma statement of operations and comprehensive income reflects an adjustment to the Company&#8217;s provision for corporate income taxes based on statutory rates in effect during the period. While the Company had positive pre-tax income for its U.S. operations, because the Company had a U.S. taxable loss during the three months ended March 31, 2025, Jefferson Capital, Inc. would not have paid any income tax during the three months ended March&#160;31, 2025. The provision for income taxes resulting from the Reorganization reflects an accrual for timing differences of </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">72</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="margin-left:20pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">$13.6&#160;million that would have resulted in an increase in the pro forma deferred tax liability for Jefferson Capital, Inc. at March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">(BB)&nbsp;&nbsp;&nbsp;Prior to the Reorganization, Jefferson Capital Holdings, LLC and its subsidiaries are subject to income taxes only on their non-U.S. operations, primarily in Canada, the United Kingdom and Colombia. Following the Reorganization and this offering, Jefferson Capital, Inc. will be subject to U.S. federal, state and local income taxes. As a result, the pro forma statement of operations and comprehensive income reflects an adjustment to the Company&#8217;s provision for corporate income taxes based on statutory rates in effect during the period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">For the year ended December&#160;31, 2024, while the Company also had positive pre-tax income for its U.S.&#160;operations, the Company also had a U.S.&#160;taxable loss, so the Company would also not have paid any income tax for the year ended December&#160;31, 2024. The provision for income taxes resulting from the Reorganization reflects an accrual for timing differences of $23.9 million that would have resulted in an increase in the pro forma deferred tax expense for Jefferson Capital, Inc. at December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">(CC)&nbsp;&nbsp;&nbsp;Represents the reduction to interest expense of $0.1 million for three months of the $</font><font style="letter-spacing:-0.361pt;">5.1</font><font style="letter-spacing:-0.038pt;"> million used to repay outstanding borrowings under the Revolving Credit Facility at a 7.42% annual interest rate as of March 31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">(DD)&nbsp;&nbsp;&nbsp;Represents the reduction to interest expense of $0.</font><font style="letter-spacing:-0.361pt;">4</font><font style="letter-spacing:-0.038pt;"> million for twelve months of the $</font><font style="letter-spacing:-0.361pt;">5.1 </font><font style="letter-spacing:-0.038pt;">million used to repay outstanding borrowings under the Revolving Credit Facility at a 7.51% annual interest rate as of December 31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">3. Earnings per Share</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Basic and diluted pro&#160;forma net income per share represents net income attributable to Jefferson Capital, Inc. divided by the weighted-average number of shares of common stock outstanding, assuming that this offering occurred on January&#160;1, 2024. The table below presents the computation of pro&#160;forma basic and diluted net income per share for Jefferson Capital, Inc. for the three months ended March 31, 2025 and the year ended December&#160;31, 2024 (in millions, except per share amounts):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS ENDED </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">MARCH 31, 2025 </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended </font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
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                <font style="letter-spacing:-0.038pt;">Numerator: </font>
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              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.5pt 0pt 0.5pt 0pt; width:286.19pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma net income attributable to Jefferson Capital, Inc. </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">50.7</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;"> 105.3 </td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.575pt 0pt 0.5pt 0pt; width:286.19pt;text-align:left;">
                <font style="letter-spacing:-0.038pt;">Denominator: </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:286.19pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma weighted average shares of common stock outstanding, following the Reorganization</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">55,000,000</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">55,000,000</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:286.19pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma weighted average number of shares of common stock issued in exchange for vested Class&#160;B Units</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">basic</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(1)</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2,629,236</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2,629,236</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:286.19pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro forma adjustment to reflect the issuance of common stock in this offering</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">basic </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">625,000</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">625,000</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:286.19pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Weighted average shares of common stock outstanding used in </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">computing pro&#160;forma net income per share attributable to common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stockholders</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:286.19pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt; line-height:12.0000000000001pt; margin-bottom:-0.500000000000019pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma adjustment for weighted average number of shares outstanding associated with unvested Class&#160;B Units</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">diluted</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(1)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:286.19pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Weighted average shares of common stock outstanding used in </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">computing pro&#160;forma net income per share attributable to common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stockholders</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">diluted</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(2)</font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.575pt 0pt 0.5pt 0pt; width:286.19pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma net income per share attributable to common stockholders</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0.575pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.575pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.87</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0.575pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.575pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1.81 </td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:0pt 0pt 12pt 0pt; width:286.19pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma net income per share attributable to common stockholders</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">diluted </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">0.87</td>
              <td style="padding:0pt;padding-left:9.21pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">1.81</td>
              <td style="padding:0pt;padding-left:5.665pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Contingent upon IPO, all unvested Class B units will be converted into 6,558,983 million unvested restricted shares at the IPO price, assumed</font><font style="letter-spacing:-0.266pt;"> </font><font style="letter-spacing:-0.028pt;">here based on the midpoint of the range. Such unvested restricted shares have a time contingency that has not been met and are potentially dilutive</font><font style="letter-spacing:-0.266pt;">. T</font><font style="letter-spacing:-0.028pt;">herefore, these restricted shares are not included in either basic or diluted share counts.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:4.79pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">All options issued in exchange to holders of cancelled out-of-the-money Class B units are considered to be anti-dilutive based on the treasury stock method. 457,544 options outstanding with exercise prices that range from $19.92 to $32.24 per share.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">73</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tMDAA">&#8203;</a>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:18pt; width:456pt; line-height:11.5pt;font-style:italic;">You should read the following discussion and analysis of our financial condition and results of operations in conjunction with the consolidated financial statements and the related notes included elsewhere in this prospectus. In addition to historical financial information, the following discussion contains forward-looking statements that reflect our plans, estimates, beliefs and expectations that involve risks and uncertainties. Our actual results and the timing of events could differ materially from those discussed in the forward-looking statements. Factors that could cause or contribute to these differences include those discussed below and elsewhere in this prospectus, particularly in the sections of this prospectus titled &#8220;Risk Factors&#8221; and &#8220;Cautionary Note Regarding Forward-Looking Statements.&#8221;<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Overview</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We provide debt recovery solutions and other related services across a broad range of consumer receivables, including credit card, secured and unsecured automotive, telecom and utilities, and other receivables. We primarily purchase portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. Previously charged-off receivables include receivables subject to bankruptcy proceedings. We also provide debt servicing and other portfolio management services to credit originators for nonperforming loans. In addition, through our credit card acquisition programs, we earn credit card revenue. All deployments are made from independent third parties.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We operate and manage our business through four reportable segments that are based on geography: United States, United Kingdom, Canada and Latin America. We also have the following two primary lines of business:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Distressed, our largest line of business, represents the purchase, collection and servicing collection of nonperforming consumer loans; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Insolvency, which consists of the purchasing and/or servicing of financial assets of consumers who have entered bankruptcy through Chapter 7 or 13 of the U.S. Bankruptcy Code in the United States, consumer proposal, credit counseling, or bankruptcy in Canada and the United Kingdom.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We are headquartered in Minneapolis, Minnesota, and as of March&#160;31, 2025, with 1,148 FTE (including our Mumbai co-sourced operation).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Business Model</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Portfolio Purchasing</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">We purchase portfolios of nonperforming loans, and occasionally those that are performing but with significant credit deterioration, through either single portfolio transactions, referred to as spot sales, or through the pre-arranged purchase of multiple portfolios at regular intervals, referred to as forward flow sales. Under a forward flow contract, we agree to purchase statistically similar nonperforming loan portfolios from credit grantors on a periodic basis at a negotiated price over a specified time period, generally from six&#160;months to a year.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">When we purchase portfolios with credit deterioration, we find that our expertise in evaluating and managing charged-off accounts allows us to confidently manage such portfolios with a higher level of credit risk than a buyer without that level of expertise would be comfortable. In such instances, a portfolio may include a mix of loans that are delinquent and restructured as well as a significant amount of charged-off or nonperforming loans, as was the case with the Conn&#8217;s Portfolio, and with a high level of risk that more of the current loans will become delinquent over time and eventually need to be charged-off. In these cases, we can offer the seller the convenience of purchasing all its loan assets together as opposed to bidding for only a single category of loan, which might result in a seller needing to transact with multiple counterparties. We regularly evaluate the opportunity to purchase portfolios that include a mix of performing accounts and nonperforming accounts, and that comprise all of a credit originator&#8217;s loan assets and believe we will find attractive opportunities to make more purchases like these going forward. Regardless of whether the portfolio consists of performing or nonperforming loans, that portfolio can still can be deemed to consist of purchased credit deteriorated loans under CECL accounting.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We purchase portfolios of nonperforming loans from credit grantors through auctions and negotiated sales. In an auction process, the seller will assemble a portfolio of nonperforming loans and will seek purchase </font>
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          <font style="letter-spacing:-0.342pt;">74</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">prices from specifically invited potential purchasers. In a privately negotiated sale process, the seller will contact one or more purchasers directly, receive a bid, and negotiate the terms of sale. In either case, invited purchasers will typically have already successfully completed a qualification process and due diligence examination that includes the seller&#8217;s review of the purchaser&#8217;s experience, financial standing, operating procedures, business practices, and compliance oversight.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We purchase receivables based on robust, account-level valuation methods and employ proprietary statistical and behavioral models across our operations. These methods and models allow us to value portfolios accurately (and limit the risk of overpaying), avoid buying portfolios that are incompatible with our methods or strategies, and align the accounts we purchase with our business and collection channels to maximize future collections. As a result, we have been able to realize attractive returns from the receivables we acquire. We maintain strong relationships with many of the largest financial service providers in the United States, Canada, United Kingdom and Latin America.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Deployments and Collections</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Creditors sell their volume in a mix of forward flow arrangements and competitive bid transactions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Credit grantors decreased portfolio sales at the beginning of the COVID-19 pandemic in order to focus on customers&#8217; needs and given government stimulus programs generating increased collections. Post-pandemic, we have seen a normalization of sales activity. However, sales levels are expected to fluctuate from quarter to quarter with portfolio pricing remaining competitive.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We believe that smaller competitors continue to face difficulties in the portfolio purchasing market because of the high cost to operate due to regulatory pressure, issuers&#8217; selectiveness with buyers and lack of consistent access to capital. We believe these operational costs favor larger participants, such as us, because the larger market participants are better able to adapt to these pressures and commit to larger purchases and forward flow agreements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Deployments<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
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          <font style="letter-spacing:-0.038pt;">Our deployments are a mix of spot sales and forward flow agreements. The timing, contract duration and volumes for each contract can fluctuate leading to variation when compared to prior periods.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The average purchase price, as a&#160;percentage of face value, varies from period to period depending on, among other factors, the type and quality of the accounts purchased and the length of time from charge-off to the time we purchase the portfolios. For example, the average purchase price as a&#160;percentage of face value is higher for newly charged-off portfolios as compared to more seasoned portfolios because newly charged-off portfolios generally have higher liquidation rates. Similarly, portfolios consisting of paying accounts tend to have a higher purchase price relative to face value than non-paying accounts due to the higher expectations for collections, as well as lower anticipated collection costs. As a result, in periods that we purchase a higher&#160;percentage of newly charged-off assets or paying portfolios, we expect that our purchase price as a&#160;percentage of face value would be higher than would be in periods where a higher ratio of seasoned paper or non-paying portfolios were purchased.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Collections<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have two primary types of collection channels for the collection of our purchased receivables, legal and voluntary. The legal collection channel consists of collections that result from our internal legal channel or from our network of retained law firms. The voluntary collection channel utilizes call centers (domestic and offshore) and collection agencies. The call center collections include collections that result from our call centers, direct mail programs and digital collections. The collection agencies collections consist of collections from third-party collection agencies that we utilize when we believe they can liquidate better or less expensively than we can.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We regularly review net operating income and net income along with a number of key business metrics and non-GAAP financial measures to evaluate our business, measure our performance, identify trends, prepare financial projections and make business decisions. Although we believe the key business metrics and non-GAAP financial measures we review are useful, they have limitations as analytical tools and should not be considered in isolation, or as substitutes for analysis of our financial results prepared in accordance with GAAP. </font>
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          <font style="letter-spacing:-0.342pt;">75</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.475pt;">Key Business Metrics</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:11pt; width:456pt; line-height:11.5pt;font-style:italic;">Estimated Remaining Collections<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We define ERC as the undiscounted sum of all future projected collections on our owned finance receivables portfolios. We calculate ERC using data derived from our databases of owned and serviced debt portfolio in the markets in which we operate and from our proprietary behavioral and asset valuation models. References to our ERC in this prospectus are references to gross ERC (which includes estimated collections in respect of the current charge-off balance). We believe that our ERC estimation represents an important supplemental measure to compare our cash generating capacity with other companies in the debt collection industry, even though we can provide no assurance that we will achieve such collections within a specified time period, or at all.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the total ERC by geographic area, or segment, during the periods presented:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ENDED MARCH&#160;31, </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INCREASE</font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(DECREASE) </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">CHANGE</font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:64.22pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:64.22pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.75pt 0pt; width:64.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2,155.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,517.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">637.7</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">42.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2,114.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,478.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">635.3</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">43.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 0.75pt 0pt; width:64.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">317.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">198.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">119.4</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">60.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">266.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">180.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">86.1</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">47.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.583pt 0pt 0.5pt 0pt; width:64.22pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">United Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">146.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">126.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">20.1</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">151.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">113.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">38.7</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">34.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.25pt 0pt 1.5pt 0pt; width:64.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Latin America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">218.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">163.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">55.4</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">33.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">212.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">152.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">60.4</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">39.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 2.25pt 0pt; width:64.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total ERC </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">2,837.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">2,005.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">832.6</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">41.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">2,744.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,924.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">820.5</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">42.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9.25pt;line-height:9.25pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.3pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">ERC in our United States reportable segment included $304.9&#160;million and $378.6&#160;million from the Conn&#8217;s Portfolio Purchase for the three months ended March&#160;31, 2025 and the year ended December&#160;31, 2024, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Deployments<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Deployments refers to portfolios purchases in the ordinary course. We believe deployments represent an important measure of our investment activity. Deployments are a key driver of the growth of our ERC and a measure to compare growth in our business with the growth of other companies in the debt collection industry. </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the total deployments or purchases by geographic area, or reportable segments, during the periods presented:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:19.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:99.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ENDED MARCH&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INCREASE</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(DECREASE) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">CHANGE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:99.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:99.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.75pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">119.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">63.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">56.2</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">88.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">552.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">404.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">148.4</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">36.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49999999999994pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 0.75pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">52.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">20.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">31.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">152.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">95.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">57.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">38.2</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">66.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 0.75pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(7.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(80.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">29.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">26.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.25pt 0pt 1.5pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Latin America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(6.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">(77.5<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">45.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">42.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">7.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 2.25pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Purchases </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">175.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">101.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">73.8</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">72.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">723.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">530.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">192.4</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">36.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9.25pt;line-height:9.25pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.4pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">During the three months ended March&#160;31, 2025, we invested $175.2&#160;million to acquire receivable portfolios, with face values aggregating $2,757.4&#160;million, for an average purchase price of 6.4% of face value. The amount invested in receivable portfolios increased $73.8&#160;million, or 72.8%, compared with the $101.4&#160;million invested during the three months ended March&#160;31, 2024, to acquire receivable portfolios with face values aggregating $1,519.4&#160;million, for an average purchase price of 6.7% of face value. During the year ended December&#160;31, 2024, we invested $723.3&#160;million to acquire receivable portfolios, with face values aggregating $9,837.1&#160;million, for an average purchase price of 7.4% of face value. The amount invested in receivable portfolios increased $192.4&#160;million, or 36.2%, compared with the $530.9&#160;million invested during the year </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">76</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">ended December&#160;31, 2023, to acquire receivable portfolios with face values aggregating $14,828.5&#160;million, for an average purchase price of 3.6% of face value. Deployments in our United States reportable segment included $238.0&#160;million from the Conn&#8217;s Portfolio Purchase for the year ended December&#160;31, 2024. For more information on the Deployments, see &#8220;&#8212; Our Business Model</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Deployments and Collections</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Deployments.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Collections<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the total collections by geographic area, or reportable segment, during the periods presented:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:19.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:99.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ENDED MARCH 31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INCREASE </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(DECREASE) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">CHANGE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:99.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:99.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.75pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">214.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">91.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">123.1</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">135.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">420.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">284.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">135.7</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">47.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 0.75pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">25.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">19.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.3</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">32.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">85.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">82.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 0.75pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">10.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">17.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">39.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">32.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">22.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.25pt 0pt 1.5pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Latin America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">10.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">7.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">35.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">39.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">31.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">22.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 2.25pt 0pt; width:99.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Collections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">260.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">127.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">133.7</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">105.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">584.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">431.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">153.6</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">35.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9.25pt;line-height:9.25pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.4pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Collections from purchased receivables increased by $133.7&#160;million or 105.1% to $260.9&#160;million during the three months ended March&#160;31, 2025, from $127.2&#160;million during the three months ended March&#160;31, 2024. Collections in our United States reportable segment included $89.1 million from the Conn&#8217;s Portfolio Purchase. The increase in collections from purchased receivables compared to the three months ended March&#160;31, 2024, was primarily a result of increased purchases during the period. Collections from purchased receivables increased by $153.6&#160;million or 35.6% to $584.6&#160;million during the year ended December&#160;31, 2024, from $431.0&#160;million during the year ended December&#160;31, 2023. The increase in collections from purchased receivables compared to the year ended December&#160;31, 2023, was primarily a result of increased purchases during the period. Collections in our United States reportable segment included $26.5&#160;million from the Conn&#8217;s Portfolio Purchase, which are consolidated from December&#160;2024, when we began consolidating economics of the portfolios from Conn&#8217;s. For more information on the Collections, see &#8220;&#8212;&#160;Our Business Model &#8212; Deployments and Collections</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Collections.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Non-GAAP Financial Measures</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:9pt; width:456pt; line-height:11.5pt;font-style:italic;">Adjusted Net Income<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Adjusted net income is calculated as net income, adjusted to exclude (i)&#160;net income attributable to noncontrolling interest; (ii)&#160;foreign exchange and other income (expense); (iii)&#160;stock-based compensation; (iv)&#160;Conn&#8217;s one-time expenses; (v) Canaccede exit consideration; and (vi)&#160;merger and acquisition and other one-time expenses. Adjusted net income is a supplemental measure of performance that is not required by, or presented in accordance with, GAAP. We present adjusted net income because we consider it an important supplemental measure of our operations and financial performance. Our management believes adjusted net income helps us provide enhanced period-to-period comparability of operations and financial performance and is useful to investors as other companies in our industry report similar financial measures. Adjusted net income should not be considered as an alternative to net income determined in accordance with GAAP.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Some of the limitations related to the use of adjusted net income as an analytical tool include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted net income does not reflect our future requirements for capital expenditures or contractual commitments;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted net income does not reflect changes in, or cash requirements for, our working capital needs; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">other companies in our industry may calculate adjusted net income differently than we do, limiting its usefulness as a comparative measure.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Because of these limitations, adjusted net income should not be considered as a measure of discretionary cash available to us to invest in the growth of our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">77</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:12pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Set forth below is a reconciliation of adjusted net income to net income, the most directly comparable financial measure calculated and reported in accordance with GAAP.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:12pt;margin-bottom:12pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:19.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:185.76pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ENDED MARCH&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INCREASE </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(DECREASE) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">CHANGE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:185.76pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:185.76pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:185.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">64.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">32.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">31.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">95.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">128.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">111.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">17.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">15.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.833pt 0pt 0.5pt 0pt; width:185.76pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(2.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2,400.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(4.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(219.6<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:185.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Stock-based compensation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(66.7<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">350.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:185.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:185.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.833pt 0pt 0.917pt 0pt; width:185.76pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.917pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.917pt 0pt;border-bottom:1px solid #FFFFFF; min-width:28.5pt; text-align:right; white-space:nowrap;">50.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.917pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.917pt 0pt;border-bottom:1px solid #FFFFFF; min-width:24pt; text-align:right; white-space:nowrap;">285.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 2.5pt 0pt; width:185.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Adjusted net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">62.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">34.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">28.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:28.5pt; text-align:right; white-space:nowrap;">83.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">153.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">108.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">45.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:24pt; text-align:right; white-space:nowrap;">41.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:12pt;margin-bottom:37.3100000000001pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:8.3pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Components include: (i)&#160;cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii) legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Adjusted EBITDA<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Adjusted EBITDA is calculated as net income, adjusted to exclude (i)&#160;net income attributable to noncontrolling interest; (ii)&#160;interest expense; (iii)&#160;foreign exchange and other income (expense); (iv)&#160;provision for income taxes; (v)&#160;depreciation and amortization; (vi)&#160;stock-based compensation; (vii) Conn&#8217;s one-time items; (viii)&#160;Canaccede exit consideration; and (ix)&#160;merger and acquisition and other one-time expenses. Adjusted EBITDA is a supplemental measure of performance that is not required by, or presented in accordance with, GAAP. We present adjusted EBITDA because we consider it an important supplemental measure of our operations and financial performance. Our management believes adjusted EBITDA helps us provide enhanced period-to-period comparability of operations and financial performance and is useful to investors as other companies in our industry report similar financial measures. Adjusted EBITDA should not be considered as an alternative to net income determined in accordance with GAAP.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Some of the limitations related to the use of adjusted EBITDA as an analytical tool include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted EBITDA does not reflect our future requirements for capital expenditures or contractual commitments;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted EBITDA does not reflect changes in, or cash requirements for, our working capital needs;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted EBITDA does not reflect the interest expense, or the cash requirements necessary to make interest or principal payments, on our debts;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">although depreciation and amortization are non-cash charges, the assets being depreciated and amortized will often have to be replaced in the future, and adjusted EBITDA does not reflect any cash requirements for such replacements; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">other companies in our industry may calculate adjusted EBITDA differently than we do, limiting its usefulness as a comparative measure.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Because of these limitations, adjusted EBITDA should not be considered as a measure of discretionary cash available to us to invest in the growth of our business. </font>
        </div>
      </div>
      <div style="margin-top:2pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">78</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:12pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Set forth below is a reconciliation of adjusted EBITDA to net income, the most directly comparable financial measure calculated and reported in accordance with GAAP.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:12pt;margin-bottom:12pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:200.19pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ENDED MARCH&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INCREASE </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(DECREASE) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">CHANGE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:200.19pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4.5pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:200.19pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions)</font>
              </div>
            </td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:200.19pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">64.2</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">32.9</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">31.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">95.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">128.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">111.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">17.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">15.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:200.19pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.8</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">17.2</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.6</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">44.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">77.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">48.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">29.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">60.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:200.19pt;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income </font>
                <br >
                <font style="letter-spacing:-0.038pt;">(expense) </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(2.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2,400.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(4.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(219.6<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:200.19pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">42.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(4.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:200.19pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">166.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:200.19pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Stock-based compensation </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(66.7<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">350.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:200.19pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:200.19pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.333pt 0pt 1.417pt 0pt; width:200.19pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:28.5pt; text-align:right; white-space:nowrap;">50.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:24pt; text-align:right; white-space:nowrap;">285.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:200.19pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Adjusted EBITDA </font>
              </div>
            </td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">92.0</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">53.9</td>
            <td style="padding:0pt;padding-left:0.140000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">38.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:28.5pt; text-align:right; white-space:nowrap;">70.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">242.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">168.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">73.9</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt; width:4.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:24pt; text-align:right; white-space:nowrap;">43.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:12pt;margin-bottom:120.47pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Components include: (i) cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii) legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-size:10pt;">Non-GAAP Pro Forma Information<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Set forth below is a pro&#160;forma financial measure that is not prepared in accordance with GAAP. We believe that such non-GAAP financial measure is an important supplemental measure of our operations and financial performance, pro&#160;forma for the Reorganization and the offering. This pro&#160;forma non-GAAP financial measure is not an alternative to the unaudited consolidated statement of operations and comprehensive income prepared in accordance with GAAP, and you should not consider it in isolation, or as a substitute for analysis of such pro&#160;forma financial statement. In addition, other companies in our industry may calculate such pro&#160;forma non-GAAP financial measure differently than we do, limiting its usefulness as a comparative measure. Set forth below is a reconciliation of pro&#160;forma net income per share, the most directly comparable pro&#160;forma financial measure calculated in accordance with GAAP, to pro&#160;forma adjusted net income per share, the pro&#160;forma non-GAAP financial measure that we present. Basic and diluted pro forma adjusted net income per share represents adjusted net income attributable to Jefferson Capital, Inc. divided by the weighted-average number of shares of common stock outstanding, assuming that this offering occurred on January&#160;1, 2024. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">79</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:3.67999999999995pt;margin-left:69.66pt;width:456pt;">

          <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.25pt;height:21.25pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:155.27pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="28">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS ENDED MARCH 31, 2025 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ACTUAL </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">HOLDINGS, LLC </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">REORGANIZATION </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTMENTS </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRO FORMA </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL, INC. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">OFFERING </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTMENTS </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRO FORMA </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS ADJUSTED </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL, INC. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:155.27pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="28">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">(AMOUNTS IN MILLIONS EXCEPT UNIT AND SHARE DATA)</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.583pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Net income attributable to Jefferson </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">Capital Holdings, LLC </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">64.2</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(13.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">50.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">50.7 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.833pt 0pt 0.5pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.6</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.5pt 0pt 1pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Stock-based compensation </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.5pt 0pt 1pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.5pt 0pt 1pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0.833pt 0pt 0.917pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(2)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:43.5pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">0.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.25pt 0pt 2.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Adjusted net income </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">62.9</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(13.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:43.5pt; text-align:right; white-space:nowrap;">49.6</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">0.1 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">49.7 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.333pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Weighted average shares of common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stock outstanding used in </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">computing pro&#160;forma net income </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">per share attributable to common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stockholders &#8211; basic</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font> </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">57,629,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">625,000</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.833pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Weighted average shares of common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stock outstanding used in </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">computing pro&#160;forma net income </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">per share attributable to common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stockholders &#8211; diluted</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font>
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              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">0.86</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.85</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.833pt 0pt 0.5pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma adjusted net income per share attributable to common stockholders &#8211; basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:43.5pt; text-align:right; white-space:nowrap;">0.86</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">0.85</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:0.833pt 0pt 12pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma adjusted net income per share attributable to common stockholders &#8211; diluted </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.61pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:43.5pt; text-align:right; white-space:nowrap;">0.86</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">0.85</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.89pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.89pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Components include: (i)&#160;cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii)&#160;legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:6.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Contingent upon IPO, all unvested Class B units will be converted into 6,558,983 million unvested restricted shares at the IPO price, assumed here based on the midpoint of the range. Such unvested restricted shares have a time contingency that has not been met and are potentially dilutive</font><font style="letter-spacing:-0.266pt;">. T</font><font style="letter-spacing:-0.028pt;">herefore, these restricted shares are not included in either basic or diluted share counts.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.361pt;">$13.2</font><font style="letter-spacing:-0.038pt;">&#160;million total pro forma impact to adjusted net income for the three months ended March 31, 2025 represents the $13.6&#160;million of income tax accrual in (AA) plus $0.1 million in reduced interest expense in </font><font style="letter-spacing:-0.361pt;">(CC) </font><font style="letter-spacing:-0.038pt;">in the section titled &#8220;Unaudited Pro Forma Consolidated Financial Information&#8221; plus the pro forma impact of an incremental income tax accrual at a 24.4% effective tax rate on consolidated pre-tax income from the $2.5&#160;million of foreign exchange and other expense that is recognized in U.S. entities, $0.4&#160;million of stock-based compensation related to an LTIP accrual, $0.3&#160;million of Conn&#8217;s one-time expenses, $0.3&#160;million of the merger and acquisition and other one-time expenses, and the full $0.2&#160;million of Canaccede exit consideration expense, without an offset for an income tax accrual as it was not tax deductible. $49.</font><font style="letter-spacing:-0.361pt;">7</font><font style="letter-spacing:-0.038pt;">&#160;million of pro forma adjusted net operating income, results in pro forma adjusted net income per share attributable to common stockholders of </font><font style="letter-spacing:-0.361pt;">$0.85</font><font style="letter-spacing:-0.038pt;"> based on weighted average diluted shares of </font><font style="letter-spacing:-0.361pt;">58,254,236.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">80</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:14.91pt;margin-left:69.66pt;width:456pt;">

          <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.25pt;height:21.25pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:155.27pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="28">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">YEAR ENDED DECEMBER 31, 2024 </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ACTUAL </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">HOLDINGS, LLC </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">REORGANIZATION </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTMENTS </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRO FORMA </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL, INC. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">OFFERING </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">ADJUSTMENTS </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRO FORMA </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS ADJUSTED </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">JEFFERSON </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CAPITAL, INC. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt 0pt 0.5pt 0pt; width:155.27pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="28">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">(AMOUNTS IN MILLIONS EXCEPT UNIT AND SHARE DATA)</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.583pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Net income attributable to Jefferson </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">Capital Holdings, LLC </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">128.9</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(23.9<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">105.0</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">0.3 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">105.3 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.833pt 0pt 0.5pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.5</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.3<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">4.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">4.2</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.5pt 0pt 1pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Stock-based compensation </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.0<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3.5</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.5pt 0pt 1pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.3</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.0<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3.3</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.5pt 0pt 1pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.5pt 0pt 1pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">7.7</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0.833pt 0pt 0.917pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:19pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(2)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.7</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.6<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">2.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.167pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">2.1</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.25pt 0pt 2.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Adjusted net income </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">153.6</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(27.8<font style="position:absolute;">)</font></td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">125.8</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">0.3 </td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">126.1 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.333pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Weighted average shares of common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stock outstanding used in </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">computing pro&#160;forma net income </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">per share attributable to common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stockholders &#8211; basic</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font> </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">57,629,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">625,000</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.333pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.833pt 0pt 0.5pt 0pt; width:155.27pt;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Weighted average shares of common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stock outstanding used in </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">computing pro&#160;forma net income </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">per share attributable to common </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">stockholders &#8211; diluted</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">57,629,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">625,000</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">58,254,236</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0.833pt 0pt 0.5pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma adjusted net income per share attributable to common stockholders &#8211; basic </font>
                </div>
              </td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2.18</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2.16</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:0.833pt 0pt 12pt 0pt; width:155.27pt;white-space:normal;text-align:left;">
                <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Pro&#160;forma adjusted net income per share attributable to common stockholders &#8211; diluted </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.71pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:13.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">2.18</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.46pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:0.833pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">2.16</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Components include: (i)&#160;cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii)&#160;legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Contingent upon IPO, all unvested Class B units will be converted into 6,558,983 million unvested restricted shares at the IPO price, assumed here based on the midpoint of the range. Such unvested restricted shares have a time contingency that has not been met and are potentially dilutive</font><font style="letter-spacing:-0.266pt;">. T</font><font style="letter-spacing:-0.028pt;">herefore, these restricted shares are not included in either basic or diluted share counts.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.361pt;">$27.5</font><font style="letter-spacing:-0.038pt;"> million total pro forma impact to adjusted net income for the year ended December 31, 2024 represents the $23.9 million of income tax accrual in (AA) plus $0.3 million of reduced interest expense in (DD) in the section titled &#8220;Unaudited Pro Forma Consolidated Financial Information&#8221; plus the pro forma impact of an incremental income tax accrual at a 23.2% effective tax rate on United States derived pre-tax income from $5.5&#160;million of foreign exchange and other income (expense) that is recognized in U.S. entities, $4.5&#160;million of stock-based compensation related to an LTIP accrual, $4.3&#160;million of Conn&#8217;s one-time expenses, $2.7&#160;million of merger and acquisition and other one-time expenses, and the full $7.7&#160;million of Canaccede exit consideration expense, without an offset for an income tax accrual as it was not tax deductible. </font><font style="letter-spacing:-0.361pt;">$126.1</font><font style="letter-spacing:-0.038pt;">&#160;million of pro forma adjusted net operating income, results in pro forma adjusted net income per share attributable to common stockholders of </font><font style="letter-spacing:-0.361pt;">$2.16</font><font style="letter-spacing:-0.038pt;"> based on weighted average diluted shares of </font><font style="letter-spacing:-0.361pt;">58,254,236. </font>
          </div>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">81</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Components of Results of Operations</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Revenue</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Our revenue is primarily derived from total portfolio revenue, which is revenue recognized from engaging in debt purchasing and recovery activities, and from credit card and servicing revenue streams.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Total Portfolio Revenue<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Portfolio revenue consists of two components: (i)&#160;total portfolio income, which is the accretion of the discount on the negative allowance due to the passage of time (generally the portfolio balance multiplied by the established pool effective interest rate (&#8220;EIR&#8221;)), and (ii)&#160;changes in recoveries, which includes recoveries above or below forecast (the difference between actual cash collected or recovered during the current period and expected cash recoveries for the current period) and changes in expected future recoveries (the present value change of expected future recoveries, where such change generally results from changes to the expected timing of collections and changes to the total amount of expected future collections).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">For a majority of the portfolios we purchase, when we acquire them, we apply our charge-off policy and fully write off the amortized costs of the individual receivables we acquire immediately after purchasing the portfolio. We then record a negative allowance that represents the present value of all expected future recoveries for pools of receivables that share similar risk characteristics using a discounted cash flow approach, which is presented as &#8220;investments in previously charged-off receivables, net&#8221; on our consolidated balance sheet. The discount rate is a purchase EIR established based on the purchase price of the portfolio and the expected future cash flows at the time of purchase. From time to time, we will also purchase performing portfolios for a discount, where we will apply the interest method and accrete the discount.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Credit Card Revenue<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Credit card revenue consists of interest income, annual fees, late fees, as well as interchange fees, cash advance fees and other miscellaneous items from credit card transactions. Interest income is accrued monthly based on the outstanding receivables and their contractual interest rates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Servicing Revenue<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Servicing revenue consists of the revenue we generate from providing collection services to certain third parties. Generally, we receive a&#160;percentage of collections as the fee for services, and in some cases, we receive a fixed fee. Servicing revenue is recognized when the underlying receivables are collected or when a fixed fee service is performed.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Provision for Credit Losses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Provision for credit losses is the allowance we provide for credit losses on loans and fees receivable. We compute the allowance for credit losses on loans and fees receivable at the pool level using a roll-rate methodology and consider a number of factors in the measurement of the allowance, including historical loss rates, current delinquency and roll-rate trends, the effects of changes in the economy, changes in underwriting criteria and estimated recoveries. The allowance is estimated based on amortized cost basis of the loan, including principal, accrued interest receivable, deferred fees and costs. We place receivables on non-accrual at 90&#160;days past due and write off the accrued interest at 180&#160;days past due or sooner if facts and circumstances indicate earlier non-collectability. Expected recoveries are included in the measurement of the allowance for credit losses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Operating Expenses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:11pt; width:456pt; line-height:11.5pt;font-style:italic;">Salaries and Benefits Expense<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits expense primarily consists of base salary, commission, bonus expense and healthcare costs. Additionally, it includes 401k match and stock-based compensation expense. We expense all salaries and benefits expense as incurred. While we expect our salaries and benefits expense will increase in absolute dollars as we continue to invest in our growth and operate as a public company (including as a result of increased stock-based compensation), we expect such expense to decline as a&#160;percentage of revenue over time as we scale our business and leverage our investments already made.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Servicing Expenses<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Servicing expenses primarily consists of collections and customer service expenses associated with previously charged-off receivables, such as the cost of outsourced collections, debtor correspondence, legal fees associated with the collection of debt and other direct expenses associated with collections and customer </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">82</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">service efforts. While we expect our servicing expenses will increase in absolute dollars as our business grows, we expect such expenses will vary from period-to-period as a&#160;percentage of revenue for the foreseeable future and decrease as a&#160;percentage of revenue over the long term as a result of continued investments to improve the efficiency of our operations and support organization.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Depreciation and Amortization<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Depreciation and amortization consists of depreciation of property and equipment and amortization of intangible assets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Professional Fees<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Professional fees primarily consists of legal and consulting expenses, including annual audit fees and various other outside service fees provided by expert services firms. In addition, it includes legal fees associated with settlements and fees associated with merger and acquisition expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We expect to incur additional expenses after we complete this offering, primarily due to the costs of operating as a public company, which are expected to include additional legal, accounting and consulting expenses, among others.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Other Selling, General and Administrative Expenses<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Other selling, general and administrative expenses generally consists of rent expense, travel and entertainment expenses, and other general overhead expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Other Income (Expense)</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:11pt; width:456pt; line-height:11.5pt;font-style:italic;">Interest Expense<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Interest expense primarily consists of interest expense on our outstanding debt, as well as amortization expense associated with loan costs.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Foreign Exchange and Other Income (Expense)<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) primarily consists of foreign currency related realized gains or losses on portfolio purchase transactions. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">83</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Results of Operations</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Three Months Ended March&#160;31, 2025 Compared to Three Months Ended March&#160;31, 2024</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following tables set forth consolidated income statement data expressed in a dollar amount and as a&#160;percentage of total revenues for the periods indicated:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
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            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:288.59pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended March&#160;31, </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
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              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Revenues: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">138.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">89.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">91.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">91.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in recoveries </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">142.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">91.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">91.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">91.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">10.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">6.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">6.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">6.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">154.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">100.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">99.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">100.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating Expenses: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">14.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">11.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">42.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">27.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">31.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">31.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">65.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">42.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">47.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">47.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">89.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">57.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">51.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">52.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Other income / (expense): </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(24.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(16.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(17.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(17.2<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total other income / (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(22.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(14.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(17.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(17.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:288.59pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Income before income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">67.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">43.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">34.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">34.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for income taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(1.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">64.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">41.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">32.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">32.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:288.59pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:288.59pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Comprehensive income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">68.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">44.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">30.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">30.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.3pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Revenues</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">A summary of how our revenues were generated during the period indicated is as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:274.34pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:274.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:274.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash Collections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:23.25pt; text-align:right; white-space:nowrap;">260.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">127.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">133.7</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">105.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:274.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Principal Amortization </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:23.25pt; text-align:right; white-space:nowrap;">(118.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(35.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(82.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">230.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:274.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:23.25pt; text-align:right; white-space:nowrap;">142.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">91.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">51.0</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">55.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:274.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:23.25pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(13.6<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:274.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:23.25pt; text-align:right; white-space:nowrap;">10.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">6.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">67.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:274.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:23.25pt; text-align:right; white-space:nowrap;">154.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">99.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">55.0</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">55.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">84</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total revenues were $154.9&#160;million for the three&#160;months ended March&#160;31, 2025, an increase of $55.0&#160;million, or 55.1%, compared to $99.9&#160;million for the three&#160;months ended March&#160;31, 2024. The increase is a result of increased purchases during the period, Conn&#8217;s Portfolio Purchase of $30.0 million for the three&#160;months ended March&#160;31, 2025, and increases of change in recoveries as a result of collection overperformance versus the forecast in the current period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Operating Expenses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total operating expenses were $65.1&#160;million for the three&#160;months ended March&#160;31, 2025, an increase of $17.9&#160;million, or&#8199;37.9%, compared to $47.2&#160;million for the three&#160;months ended March&#160;31, 2024. The change in operating expenses is explained in the various line items below.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Salaries and Benefits</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits were $14.0&#160;million for the three&#160;months ended March&#160;31, 2025, an&#8199;increase&#8199;of $2.9&#160;million, or 26.1%, compared to $11.1&#160;million for the three&#160;months ended March&#160;31, 2024. The increase is primarily due to the Conn&#8217;s Portfolio Purchase, which added $3.3&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Servicing Expenses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Servicing expenses were $42.8&#160;million for the three&#160;months ended March&#160;31, 2025, an increase of $11.0&#160;million, or 34.6%, compared to $31.8&#160;million for the three&#160;months ended March&#160;31, 2024. The&#8199;increase in servicing expenses was primarily driven by&#8199;increased collections as well as $3.7&#160;million from the Conn&#8217;s Portfolio Purchase. Servicing expenses consisted of the following for the three&#160;months ended March&#160;31, 2025, and 2024:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Agency and repo commission expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.5</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">4.8</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">64.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Legal commission expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.5</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">44.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Court costs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">3.6</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">63.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Communications </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">(1.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(14.6<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Offshore </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">70.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Other servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:19.5pt; text-align:right; white-space:nowrap;">38.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">42.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">31.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:19.5pt; text-align:right; white-space:nowrap;">34.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.6pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Depreciation and Amortization</font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Depreciation and amortization was $1.6&#8199;million for the three&#160;months ended March&#160;31, 2025, a $1.0&#160;million, or&#8199;166.7%, increase&#8199;from the $0.6&#160;million for the three&#160;months ended March&#160;31, 2024. The&#8199;increase&#8199;was primarily due to incremental intangible assets associated with the Conn&#8217;s Portfolio Purchase, which equated to $1.1&#160;million of additional amortization.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Professional Fees</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Professional fees were $2.2&#160;million for the three&#160;months ended March&#160;31, 2025, an increase of $0.3&#160;million, or&#8199;15.8%, compared to $1.9&#160;million for the three&#160;months ended March&#160;31, 2024. The&#8199;increase&#8199;was primarily due to ongoing professional services&#8199;associated with the Conn&#8217;s Portfolio Purchase, which was $0.1&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Other Selling, General and Administrative Expenses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Other selling, general and administrative expenses generally consist of rent expense, travel and entertainment expenses, and other general overhead expenses. These expenses totaled $4.5&#8199;million for the three&#160;months ended March&#160;31, 2025, an increase&#8199;of $2.7&#8199;million or&#8199;150.0%, compared to $1.8&#160;million for the three&#160;months ended March&#160;31, 2024. The increase is primarily due to expenses associated with the Conn&#8217;s Portfolio Purchase, which was $2.2&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">85</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:12pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">Other Income (Expense)</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">Interest Expense</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Total interest expense was $24.8&#8199;million for the three&#160;months ended March&#160;31, 2025, an increase&#8199;of $7.6&#8199;million, or&#8199;44.2%, compared to $17.2&#160;million for the three&#160;months ended March&#160;31, 2024. The increase was primarily driven by our increased deployments which drives a higher credit facilities debt balance, as well as by increased amortization of note payable origination costs of $1.1&#8199;million, $0.1&#8199;million or&#8199;10.0% higher compared to $1.0&#160;million for the three&#160;months ended March&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Interest expense consisted of the following for the three&#160;months ended March&#160;31, 2025, and 2024:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">23.7</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">16.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">7.5</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">46.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortization of note payable origination costs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">10.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">24.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">17.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">7.6</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">44.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">Provision for Income Tax Expense</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">We and most of our subsidiaries are limited liability companies and are disregarded for United States federal and state income tax purposes. However, certain of our foreign subsidiaries are required to pay income taxes. Provision for income tax expense was $2.8&#8199;million for the three&#160;months ended March&#160;31, 2025, an increase&#8199;of $0.9&#8199;million, or&#8199;47.4%, compared to $1.9&#160;million for the three&#160;months ended March&#160;31, 2024. The increase is driven by increased taxable income in our foreign entities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">Segment Results of Operation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">The following tables set forth consolidated income statement amounts categorized by segment, for the periods indicated:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:12pt;margin-bottom:12pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:98.86pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="58">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:98.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="28">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="28">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt; width:98.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.763pt 0pt 2.597pt 0pt; width:98.86pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">111.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">16.1</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">142.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">65.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">91.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.013pt 0pt 2.597pt 0pt; width:98.86pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.99pt 0pt 2.805pt 0pt; width:98.86pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">5.9</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;10.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.99pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">6.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.74pt 0pt 2.805pt 0pt; width:98.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Total Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">116.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">10.4</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">17.6</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">154.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">67.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">13.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.74pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">99.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.753pt 0pt 2.607pt 0pt; width:98.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.753pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.003pt 0pt 2.607pt 0pt; width:98.86pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Operating Expenses </font>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.003pt 0pt 2.607pt 0pt; width:98.86pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">8.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;14.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">6.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;11.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.993pt 0pt 2.617pt 0pt; width:98.86pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;33.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.0</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.0</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;42.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;24.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;31.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1.587pt 0pt 1.913pt 0pt; width:98.86pt;white-space:normal;text-align:left;">
              <div style="margin-left:16pt; text-indent:-8pt;">
                <font style="letter-spacing:-0.032pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 1.913pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.993pt 0pt 2.617pt 0pt; width:98.86pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.993pt 0pt 2.617pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.587pt 0pt 2.108pt 0pt; width:98.86pt;text-align:left;">
              <div style="margin-left:16pt; text-indent:-8pt; line-height:10.08pt; margin-bottom:-0.496666666666661pt;">
                <font style="letter-spacing:-0.032pt;">Other selling, general and </font>
                <br >
                <font style="letter-spacing:-0.032pt;">administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.72pt 0pt 2.805pt 0pt; width:98.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Total Operating Expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">48.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">8.6</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">65.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">33.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">4.2</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">47.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.72pt 0pt 3.555pt 0pt; width:98.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Net Operating Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">67.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">13.1</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">6.6</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">89.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">33.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">5.2</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.72pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">51.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:0.827pt 0pt 10.11pt 0pt; width:98.86pt;white-space:normal;text-align:left;">
              <div style="margin-left:8pt; text-indent:-8pt;">
                <font style="letter-spacing:-0.032pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">58.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">17.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">74.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">66.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">57.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">49.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">42.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">66.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">63.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.125pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.827pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">52.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:18pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">86</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:84.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">United States</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">111.7</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">65.9</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">45.8</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">69.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(12.5<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">462.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">116.9</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">67.5</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">49.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">73.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(40.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating Expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">8.9</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.3</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">41.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">33.5</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.8</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">35.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">500.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">30.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">337.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Operating Expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">48.8</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">33.4</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">15.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">46.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net Operating Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21pt; text-align:right; white-space:nowrap;">67.8</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">33.6</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">34.2</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">101.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:2.25pt 0pt 12pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21pt; text-align:right; white-space:nowrap;">58.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.61pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">49.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.605pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue grew&#8199;69.5% in the three&#160;months ended March&#160;31, 2025 relative to the three&#160;months ended March&#160;31, 2024, primarily due to the growth in our ERC, including from, but not solely based on, the Conn&#8217;s Portfolio Purchase, which we consolidated into our results for the United States segment starting in December&#160;2024 and contributed&#8199;$30.0&#160;million of revenue from portfolio receivables in the three&#160;months ended March&#160;31, 2025. Servicing revenue grew&#8199;462.5% in the three&#160;months ended March&#160;31, 2025 relative to the three&#160;months ended March&#160;31, 2024, primarily due to the Conn&#8217;s Portfolio Purchase, which contributed $3.7&#160;million&#8199;of servicing revenue during the three&#160;months ended March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Even though our senior management&#8217;s responsibilities include oversight of our other segments, we consolidate all of the salaries, bonuses and accruals for stock-based compensation for our U.S.-based senior management team into the &#8220;Salaries and benefits expense&#8221; for the United States segment. Salaries and benefits in the United States grew&#8199;41.3% during the three&#160;months ended March&#160;31, 2025 relative to the three&#160;months ended March&#160;31, 2024, including&#8199;$3.3&#8199;million from the Conn&#8217;s Portfolio Purchase, and lower growth than in revenue overall, reflecting the increasing operating scale of our business. Servicing expenses grew&#8199;35.1%, driven by growth in our collections, including&#8199;$3.7&#8199;million from the Conn&#8217;s Portfolio Purchase. During the three&#160;months ended March&#160;31, 2025, we realized&#8199;$0.1&#8199;million of professional fees and $2.2&#160;million of other selling, general and administrative expenses related to the Conn&#8217;s Portfolio Purchase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall grew&#8199;$34.2&#160;million or&#8199;101.8% during the three&#160;months ended March&#160;31, 2025 relative to the three&#160;months ended March&#160;31, 2024 from $33.6&#160;million to $67.8&#160;million. Net operating income as a&#160;percentage of total revenues was 58.0% during the three&#160;months ended March&#160;31, 2025 compared to 49.8% during the three&#160;months ended March&#160;31, 2024. The net operating income included $23.3&#160;million in association with the Conn&#8217;s Portfolio Purchase. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">87</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">United Kingdom</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:19.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(2.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(33.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">5.9</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:19.5pt; text-align:right; white-space:nowrap;">7.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.75pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">10.4</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:19.5pt; text-align:right; white-space:nowrap;">(15.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating Expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">12.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.0</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">42.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(33.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:19.5pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1.75pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Operating Expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">8.6</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:19.5pt; text-align:right; white-space:nowrap;">21.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 2pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net Operating Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">5.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">(3.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(65.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1.25pt 0pt 12pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">17.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">42.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue declined&#8199;33.8% during the three&#160;months ended March&#160;31, 2025 relative to the three&#160;months ended March&#160;31, 2024, primarily due to the reduction in our deployments in the United Kingdom. Servicing revenue grew&#8199;7.3% during the three&#160;months ended March&#160;31, 2025 relative to the three&#160;months ended March&#160;31, 2024, primarily due to the underlying organic growth from both our Moriarty and ResolveCall businesses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits grew&#8199;12.1% during the three&#160;months ended March&#160;31, 2025 relative to the three&#160;months ended March&#160;31, 2024, primarily due additional support requirements associated with the growth at Moriarty and Resolvecall. Servicing expenses grew&#8199;42.9% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, primarily due to the growth in our collections in the United Kingdom.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall declined&#8199;65.4% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, from $5.2&#160;million to $1.8&#160;million. Net operating income as a&#160;percentage of total revenues was&#8199;17.3% during the three&#160;months ended March&#160;31, 2025, compared to 42.3% during the three&#160;months ended March&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Canada</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:19.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">16.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">36.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(14.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">200.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1.75pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">17.6</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">13.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">32.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(33.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating Expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(7.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1.75pt 0pt 1.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Operating Expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">4.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 2pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net Operating Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">13.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">48.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1.25pt 0pt 12pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">74.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">66.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">88</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:35.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue grew&#8199;36.4% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, driven by growth in our ERC from higher deployments in Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits slightly decreased during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, which aid in reflecting the increasing operating scale of our operation in Canada. Servicing expenses grew&#8199;9.5% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, driven by growth in our collections.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall grew&#8199;48.9% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024 from $8.8&#160;million to $13.1&#160;million. Net operating income as a&#160;percentage of total revenues was&#8199;74.4% during the three&#160;months ended March&#160;31, 2025, compared to 66.2% during the three&#160;months ended March&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:276.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.2</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">47.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">3.2</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">47.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating Expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.0</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">42.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Operating Expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">36.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net Operating Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">6.6</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">53.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:2.25pt 0pt 12pt 0pt; width:276.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">66.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">63.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.055pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.62pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue grew 47.1% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, driven by growth in our ERC and deployments in 2024 as our platform in Latin America continues to scale.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits expense in our Latin America segment were flat during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, and are modest at $0.1&#160;million, which reflects only seven FTE in our Bogot&#225; office. Servicing expenses grew&#8199;42.9% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, driven by growth in our collections in the Latin America segment.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall grew&#8199;53.5% during the three&#160;months ended March&#160;31, 2025, relative to the three&#160;months ended March&#160;31, 2024, from $4.3&#160;million to $6.6&#160;million. Net operating income as a&#160;percentage of total revenues was&#8199;66.0% during the three&#160;months ended March&#160;31, 2025, compared to 63.2% during the three&#160;months ended March&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Year Ended December&#160;31, 2024 Compared to Year Ended December&#160;31, 2023</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following tables set forth consolidated income statement data expressed in a dollar amount and as a&#160;percentage of total revenues for the periods indicated: </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">89</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:291.95pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:291.95pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:291.95pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Revenues: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">396.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">91.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">306.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">94.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in recoveries </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(13.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(4.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">395.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">91.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">293.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">90.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">29.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">6.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">20.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">6.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">433.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">100.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">323.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">100.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating expenses: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">48.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">36.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">130.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">30.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">101.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">31.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">16.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">209.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">48.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">155.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">48.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">220.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">50.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">164.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">50.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Other income (expense): </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(77.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(17.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(48.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(14.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(5.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(1.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(82.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(19.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(43.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(13.5<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:291.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Income before income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">137.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">31.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">120.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">37.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for income taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(8.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(2.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(9.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net income attributable to Jefferson Capital Holdings, LLC </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">128.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">29.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">111.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">34.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:291.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(14.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(3.2<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:291.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Comprehensive income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">114.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">26.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">119.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">37.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.91pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Revenues</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">A summary of how our revenues were generated during the&#160;years indicated is as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:271.18pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:271.18pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:271.18pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:271.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash collections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">584.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">431.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">153.6</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">35.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:271.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Principal amortization </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(188.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(137.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(51.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">37.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:271.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">395.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">293.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">102.3</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">34.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:271.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(5.7<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:271.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">29.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">20.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8.4</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">40.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:271.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">433.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">323.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">110.2</td>
            <td style="padding:0pt;padding-left:3.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">34.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:5.62pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Total revenues were $433.3&#160;million for the year ended December&#160;31, 2024, an increase of $110.2&#160;million, or 34.1%, compared to $323.1&#160;million for the year ended December&#160;31, 2023. The increase is a result of increased purchases during the period, as well as improved results in changes in recoveries as a result of continued modeling capabilities. Additionally, the Conn&#8217;s Portfolio Purchase contributed $9.4 million of </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">90</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">revenue for the year ended December 31, 2024. We expect that contribution to be significant over the next twelve months but to decline rapidly thereafter given the short duration of the assets and the fact that the portfolio is in run-off with no new origination activity.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Operating Expenses<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total operating expenses were $209.5&#160;million for the year ended December&#160;31, 2024, an increase of $54.0&#160;million, or 34.7%, compared to $155.5&#160;million for the year ended December&#160;31, 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Salaries and Benefits<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits were $48.1&#160;million for the year ended December&#160;31, 2024, an increase of $11.6&#160;million, or 31.8%, compared to $36.5&#160;million for the year ended December&#160;31, 2023. The increase is partially due to support requirements associated with organizational growth. Additionally, the increase is partially due to the Conn&#8217;s Portfolio Purchase, which added $1.5&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Servicing Expenses<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Servicing expenses were $130.9&#160;million for the year ended December&#160;31, 2024, an increase of $29.2&#160;million, or 28.7%, compared to $101.7&#160;million for the year ended December&#160;31, 2023. The increase in servicing expenses was primarily driven by increased collections as well as $1.4&#160;million from the Conn&#8217;s Portfolio Purchase. We expect the servicing expense contribution of the Conn&#8217;s Portfolio Purchase over the next twelve months to mirror the portfolio run-off as we are not pursuing any origination activity. Servicing expenses consisted of the following for the&#160;years ended December&#160;31, 2024 and 2023:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:277.51pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:277.51pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:277.51pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Agency and repo commission expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">37.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">26.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">45.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Legal commission expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">19.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">18.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Court costs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">32.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">23.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">39.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Communications </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">25.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">21.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">19.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Offshore </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Other servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">3.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">63.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">130.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">101.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">29.2</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">28.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.69pt; width:456pt; line-height:11.5pt;font-style:italic;">Depreciation and Amortization<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Depreciation and amortization was $2.6 million for the year ended December&#160;31, 2024, a $0.2&#160;million, or 8.3%, increase from the $2.4&#160;million for the year ended December&#160;31, 2023. The increase was primarily due to incremental intangible assets associated with the Conn&#8217;s Portfolio Purchase, which equated to $0.4&#160;million of additional amortization.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Professional Fees<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Professional fees were $11.4&#160;million for the year ended December&#160;31, 2024, an increase of $4.6&#160;million, or 67.6%, compared to $6.8&#160;million for the year ended December&#160;31, 2023. The increase was primarily due to one-time items associated with the Conn&#8217;s Portfolio Purchase, which were $4.3&#160;million. These one-time items included cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts and legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Other Selling, General and Administrative Expenses<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Other selling, general and administrative expenses generally consist of rent expense, travel and entertainment expenses, and other general overhead expenses. These expenses totaled $16.5 million for the year ended December&#160;31, 2024, an increase of $8.1 million or 103.7%, compared to $8.4&#160;million for the year ended December&#160;31, 2023. The increase was primarily due to a one-time cost associated with the Canaccede Acquisition in relation to the potential realization of an exit incentive, which was $7.7&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">91</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-size:9.5pt;">Other Income (Expense)<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:7.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-size:9.5pt;">Interest Expense<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Total interest expense was $77.2 million for the year ended December&#160;31, 2024, an increase of $29.1 million, or 60.5%, compared to $48.1&#160;million for the year ended December&#160;31, 2023. The increase was primarily driven by our increased deployments, which drove a higher Revolving Credit Facility debt balance, as well as by increased amortization of note payable origination costs of $4.3 million, $1.4 million or 48.3% higher compared to $2.9&#160;million for the year ended December&#160;31, 2023, due to the issuance of the 2029 Senior Notes in the year ended December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Interest expense consisted of the following for the years ended December&#160;31, 2024 and 2023:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:289.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:289.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:289.11pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">72.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">45.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">27.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">61.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortization of note payable origination costs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">48.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">77.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">48.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">29.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">60.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.4pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.69pt; width:456pt; line-height:11.5pt;font-style:italic;font-size:9.5pt;">Provision for Income Tax Expense<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">We and most of our subsidiaries are limited liability companies and are disregarded for United States federal and state income tax purposes. However, certain of our foreign subsidiaries are required to pay income taxes. Provision for income tax expense was $8.7 million for the year ended December&#160;31, 2024, a decrease of $0.4 million, or 4.4%, compared to $9.1&#160;million for the year ended December&#160;31, 2023. The decrease was driven by the taxable portion of income from Latin America.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Segment Results of Operations</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">The following tables set forth consolidated income statement amounts categorized by segment, for the periods indicated:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
          <tr style="line-height:7.5pt;min-height:21pt;height:21pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:132.65pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.875pt 0pt; width:0pt;text-align:center;" colspan="58">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Year Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:132.65pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.875pt 0pt; width:0pt;" colspan="28">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.75pt 0pt 1.875pt 0pt; width:0pt;" colspan="28">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:132.65pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.875pt 0pt; width:0pt;text-align:center;" colspan="58">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:132.65pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.19pt 0pt 1.095pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1.763pt 0pt 1.597pt 0pt; width:132.65pt;">
              <font style="letter-spacing:-0.032pt;">Revenues:</font>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.013pt 0pt 1.597pt 0pt; width:132.65pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">288.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">28.5</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">48.2</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">31.2</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">395.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">207.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">24.2</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">44.9</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">17.5</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">293.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.013pt 0pt 1.597pt 0pt; width:132.65pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.6</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 1.597pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2pt 0pt 1.805pt 0pt; width:132.65pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">4.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">23.8</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">29.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">4.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">16.5</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">20.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.75pt 0pt 1.805pt 0pt; width:132.65pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">295.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">52.3</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">54.2</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">31.2</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">433.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">214.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">40.7</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">50.8</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">17.5</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">323.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1.753pt 0pt 1.607pt 0pt; width:132.65pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:132.65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Operating expenses </font>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:132.65pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">28.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">14.1</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.3</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">19.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.7</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.3</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">36.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:132.65pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">95.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">15.1</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.1</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">130.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">70.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">14.1</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">101.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:132.65pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1.993pt 0pt 1.617pt 0pt; width:132.65pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.587pt 0pt 1.108pt 0pt; width:132.65pt;white-space:normal;text-align:left;">
              <div style="margin-left:16pt; text-indent:-8pt; line-height:10.0899999999999pt; margin-bottom:-0.499999999999973pt;">
                <font style="letter-spacing:-0.032pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">12.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">16.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.587pt 0pt 1.108pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">8.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.73pt 0pt 1.805pt 0pt; width:132.65pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">147.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">32.8</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">17.5</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">209.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">99.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">29.1</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">16.7</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">155.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1.73pt 0pt 2.555pt 0pt; width:132.65pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">146.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">19.5</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">35.1</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">19.4</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">220.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">112.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">11.6</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">32.7</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">7.2</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">164.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1.233pt 0pt 10.11pt 0pt; width:132.65pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">49.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">37.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">64.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">62.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">50.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">52.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">28.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.595pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">64.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">41.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.18pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.233pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">50.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">92</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:69.47pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">United States</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:277.51pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:277.51pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:277.51pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:277.51pt;">
              <font style="letter-spacing:-0.038pt;">Revenues:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">288.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">207.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">81.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">39.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(12.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">22.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">295.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">214.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">81.5</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">38.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(9.5<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">28.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">19.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.9</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">45.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">95.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">70.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">25.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">35.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">30.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">104.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:277.51pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">12.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">8.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">228.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">147.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">99.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">48.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">48.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">146.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">112.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">33.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">29.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:2.25pt 0pt 12pt 0pt; width:277.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">49.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">52.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.69pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue grew 39.1% in 2024 relative to 2023, primarily due to the growth in our ERC, including from, but not solely based on, $9.4 million of portfolio revenue from the Conn&#8217;s Portfolio Purchase, which we consolidated into our results for the United States segment starting in December&#160;2024 and contributed $9.4&#160;million of revenue from portfolio receivables in 2024. Servicing revenue grew 22.5% in 2024 relative to 2023, primarily due to the Conn&#8217;s Portfolio Purchase, which contributed $1.9&#160;million of servicing revenue in 2024. Additionally, we recognized a one-time cost associated with the Canaccede Acquisition in relation to the potential realization of an exit incentive, which was $7.7&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Even though our senior management&#8217;s responsibilities include oversight of our other segments, we consolidate all of the salaries, bonuses and accruals for stock compensation for our U.S.-based senior management team into the &#8220;Salaries and benefits expense&#8221; for the United States segment. Salaries and benefits in the United States grew 45.9% in 2024 relative to 2023, including $1.5 million from the Conn&#8217;s Portfolio Purchase, and lower growth than in revenue overall, reflecting the increasing operating scale of our business. Servicing expenses grew 35.9%, driven by growth in our collections, including $1.4 million from the Conn&#8217;s Portfolio Purchase. We realized $4.3 million of professional fees and $0.9 million of other selling, general and administrative expenses related to the Conn&#8217;s Portfolio Purchase in 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall grew $33.7&#160;million or 29.9% in 2024 relative to 2023 from $112.6&#160;million to $146.3&#160;million. Net operating income as a&#160;percentage of total revenues was 49.5% in 2024 compared to 52.6% in 2023. The net operating income included $3.1&#160;million in association with the Conn&#8217;s Portfolio Purchase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">93</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">United Kingdom</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:19.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:289.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:289.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:289.11pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:289.11pt;">
              <font style="letter-spacing:-0.038pt;">Revenues:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">28.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">17.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.5pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">23.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">16.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">7.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">44.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.25pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">52.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">40.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">11.6</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">28.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating Expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">20.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">7.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(25.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:16.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">12.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.25pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">32.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">29.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">12.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 2.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">19.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">11.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:16.5pt; text-align:right; white-space:nowrap;">7.9</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">68.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1.75pt 0pt 12pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">37.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">28.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:16.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.82pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue grew 17.8% in 2024 relative to 2023, primarily due to growth in our ERC from higher deployments in the United Kingdom. Servicing revenue grew 44.2% in 2024 relative to 2023, partly due to the full year impact in 2024 from the acquisition of Moriarty in April&#160;2023 and the underlying organic growth from both our Moriarty and ResolveCall businesses in 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:7.82pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits grew 20.5% in 2024 relative to 2023, primarily due to the full year impact in 2024 from the acquisition of Moriarty in April&#160;2023. Servicing expenses grew 7.1% in 2024 relative to 2023, primarily due to the growth in our collections in the United Kingdom.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:7.82pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall grew 68.1% in 2024 relative to 2023 from $11.6&#160;million to $19.5&#160;million. Net operating income as a&#160;percentage of total revenues was 37.3% in 2024 compared to 28.5% in 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:10.63pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Canada</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:19.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:289.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:289.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:289.11pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:289.11pt;">
              <font style="letter-spacing:-0.038pt;">Revenues:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">48.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">44.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(1.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">100.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.25pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">54.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">50.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">6.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">22.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(14.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(33.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">(0.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(36.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.25pt 0pt 1.75pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">17.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">16.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 2.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">35.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">32.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">7.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1.75pt 0pt 12pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">64.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">64.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">94</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue grew 7.3% in 2024 relative to 2023, driven by growth in our ERC from higher deployments in Canada. After a few&#160;years of declining ERC and collections, our ERC in Canada started growing at the end of 2023 and that trend accelerated meaningfully in 2024, driving a return to growth for the segment.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits were flat in 2024 relative to 2023, lower growth than in revenue overall, reflecting the increasing operating scale of our operation in Canada. Servicing expenses grew 22.0% in 2024 relative to 2023, driven by growth in our collections.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall grew 7.3% in 2024 relative to 2023 from $32.7&#160;million to $35.1&#160;million. Net operating income as a&#160;percentage of total revenues was 64.8% in 2024 compared to 64.4% in 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:289.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:289.11pt;">
              <font style="letter-spacing:-0.038pt;">Revenues:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">31.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">17.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">13.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">78.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">31.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">17.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">13.7</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">78.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:289.11pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Operating expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">300.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">12.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:289.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">33.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">14.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">19.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">7.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">12.2</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">169.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:2.25pt 0pt 12pt 0pt; width:289.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net operating income margin </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">62.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">41.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.72pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.5pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue grew 78.3% in 2024 relative to 2023, driven by growth in our ERC and deployments in 2024 as our platform in Latin America continues to scale.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits expense in our Latin America segment grew 300.0% in 2024 relative to 2023 but are modest at $0.4&#160;million in 2024, which reflects only seven FTE in our Bogot&#225; office. Servicing expenses grew 12.2% in 2024 relative to 2023, driven by growth in our collections in the Latin America segment.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Net operating income overall grew 169.4% in 2024 relative to 2023 from $7.2&#160;million to $19.4&#160;million. Net operating income as a&#160;percentage of total revenues was 62.2% in 2024 compared to 41.1% in 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Quarterly Results</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table sets forth our unaudited quarterly consolidated statements of operations data and the&#160;percent of revenue that net operating income represents, as well as certain other financial and operating data, for each of the quarters indicated. The consolidated statements of operations data for each of these quarters has been prepared on the same basis as our audited annual consolidated financial statements and, in the opinion of management, reflect all adjustments of a normal, recurring nature that are necessary for the fair statement of the results of operations for these periods. The information in this table should be read in conjunction with our audited consolidated financial statements included elsewhere in this prospectus. These quarterly results are not necessarily indicative of the operating results that may be expected for a full year or any future period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">95</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:127.51pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
          <tr style="line-height:7.5pt;min-height:21.9pt;height:21.9pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:163.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.775pt 0pt; width:0pt;text-align:center;" colspan="52">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Three Months Ended </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:163.5pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Mar. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Dec. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Sep. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Jun. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Mar. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Dec. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Sep. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Jun. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.09pt 0pt 1.995pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Mar. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:163.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:2.65pt 0pt 2.775pt 0pt; width:0pt;text-align:center;" colspan="52">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.663pt 0pt 2.497pt 0pt; width:163.5pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Revenues: </font>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.903pt 0pt 2.507pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">138.7</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">111.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">99.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">94.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">91.4</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">83.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">78.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">75.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.903pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">69.7</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.89pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Changes in recoveries </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">3.6</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(11.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(5.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(0.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.89pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.653pt 0pt 2.507pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">142.3</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">109.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">100.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">94.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">91.3</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">72.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">73.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">74.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.653pt 0pt 2.507pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">73.4</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.893pt 0pt 2.517pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.893pt 0pt 2.517pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.88pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">10.7</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">8.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">7.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">6.4</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">5.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.88pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">5.1</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.62pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:16pt;">
                <font style="letter-spacing:-0.032pt;">Total revenues </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">154.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">118.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">110.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">103.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">99.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">79.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">80.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">82.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">80.7</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.62pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.62pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.633pt 0pt 2.527pt 0pt; width:163.5pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Operating expenses: </font>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.873pt 0pt 2.537pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">14.0</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.1</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.8</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.873pt 0pt 2.537pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">42.8</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">35.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">33.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">30.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">31.8</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">23.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">25.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">25.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">27.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.873pt 0pt 2.537pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.873pt 0pt 2.537pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.863pt 0pt 2.547pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.863pt 0pt 2.547pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1.488pt 0pt 2.052pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:16pt; text-indent:-8pt; line-height:10.09pt; margin-bottom:-0.500000000000001pt;">
                <font style="letter-spacing:-0.032pt;">Other selling, general and </font>
                <br >
                <font style="letter-spacing:-0.032pt;">administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">10.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.488pt 0pt 2.052pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.6pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:16pt;">
                <font style="letter-spacing:-0.032pt;">Total operating expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">65.1</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">64.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">50.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">47.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">47.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">37.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">38.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">39.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">39.8</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.6pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:24pt;">
                <font style="letter-spacing:-0.032pt;">Net operating income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">89.3</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">53.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">59.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">55.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">51.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">41.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">40.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">41.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.6pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">40.0</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.613pt 0pt 2.547pt 0pt; width:163.5pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Other income (expense): </font>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.853pt 0pt 2.557pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(24.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(22.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(19.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(18.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(17.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(14.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(13.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(11.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.853pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(9.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.482pt 0pt 2.058pt 0pt; width:163.5pt;white-space:normal;text-align:left;">
              <div style="margin-left:16pt; text-indent:-8pt; line-height:10.09pt; margin-bottom:-0.499999999999992pt;">
                <font style="letter-spacing:-0.032pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.482pt 0pt 2.058pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.59pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:16pt;">
                <font style="letter-spacing:-0.032pt;">Total other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(22.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(24.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(20.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(21.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(17.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(13.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(12.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(9.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.59pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(8.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.603pt 0pt 2.557pt 0pt; width:163.5pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Income before income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">67.0</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">29.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">39.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">34.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">34.8</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">28.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">28.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">32.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.603pt 0pt 2.557pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">31.5</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.84pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Provision for income taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(1.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.84pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">(2.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.58pt 0pt 2.705pt 0pt; width:163.5pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">64.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">27.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">36.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">32.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">32.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">26.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">26.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">29.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.58pt 0pt 2.705pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">29.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.593pt 0pt 2.567pt 0pt; width:163.5pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Other Financial and Operating Data </font>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.843pt 0pt 2.567pt 0pt; width:163.5pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Collections </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">260.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">174.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">145.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">137.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">127.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">105.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">107.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">109.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.843pt 0pt 2.567pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">108.5</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.833pt 0pt 2.577pt 0pt; width:163.5pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Deployments </font>
              </div>
            </td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">175.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">357.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">123.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">140.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">101.4</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">153.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">100.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">154.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 2.577pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">122.5</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:2.833pt 0pt 10.11pt 0pt; width:163.5pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Adjusted EBITDA </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">92.0</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">67.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">62.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">58.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">53.9</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">42.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">42.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">42.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.833pt 0pt 10.11pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">40.2</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.69pt; width:456pt; line-height:12.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Set forth below is a reconciliation of adjusted EBITDA to net income, the most directly comparable financial measure calculated and reported in accordance with GAAP. For further information, see &#8220;&#8212; Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Non-GAAP Financial Measures</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Adjusted EBITDA.&#8221;</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">96</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
          <tr style="line-height:7.5pt;min-height:22pt;height:22pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:176.44pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.875pt 0pt; width:0pt;text-align:center;" colspan="52">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Three Months Ended </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:176.44pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Mar. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Dec. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Sep. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Jun. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Mar. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Dec. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Sep. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Jun. 30,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.19pt 0pt 2.095pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">Mar. 31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:176.44pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="52">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.375pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.763pt 0pt 2.597pt 0pt; width:176.44pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">64.2</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">27.0</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">36.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">32.2</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">32.9</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">26.3</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">26.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">29.7</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.763pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">29.2</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.013pt 0pt 2.597pt 0pt; width:176.44pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">24.8</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">22.0</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">19.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">18.3</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">17.2</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">14.5</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">13.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.1</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.013pt 0pt 2.597pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.5</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1.607pt 0pt 1.893pt 0pt; width:176.44pt;text-align:left;">
              <div style="margin-left:16pt; text-indent:-8pt;">
                <font style="letter-spacing:-0.032pt;">Foreign exchange and other income </font>
                <br >
                <font style="letter-spacing:-0.032pt;">(expense) </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">(1.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">(1.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.607pt 0pt 1.893pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">(1.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.003pt 0pt 2.607pt 0pt; width:176.44pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Provision for income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.003pt 0pt 2.607pt 0pt; width:176.44pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.003pt 0pt 2.607pt 0pt; width:176.44pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Stock-based compensation </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.003pt 0pt 2.607pt 0pt; width:176.44pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(1) </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:3.003pt 0pt 2.607pt 0pt; width:176.44pt;text-align:left;">
              <div style="margin-left:8pt;">
                <font style="letter-spacing:-0.032pt;">Canaccede exit consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.003pt 0pt 2.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.09pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.587pt 0pt 2.108pt 0pt; width:176.44pt;white-space:normal;text-align:left;">
              <div style="margin-left:16pt; text-indent:-8pt; line-height:10.09pt; margin-bottom:-0.500000000000001pt;">
                <font style="letter-spacing:-0.032pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">&#65279;(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.587pt 0pt 2.108pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:2.73pt 0pt 3.555pt 0pt; width:176.44pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.032pt;">Adjusted EBITDA </font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">92.0</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">67.3</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">62.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">58.5</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">53.9</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">42.6</td>
            <td style="padding:0pt;padding-left:2.31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">42.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">42.9</td>
            <td style="padding:0pt;padding-left:2.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.73pt 0pt 2.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">40.2</td>
            <td style="padding:0pt;padding-left:3.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="56">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Components include: (i) cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii) legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.3pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5.3pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">Quarterly Trends</font>
        </div>
        <div style="margin-top:7pt; width:456pt; line-height:11.5pt;font-style:italic;font-size:9.5pt;">Quarterly Revenues Trends<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Quarterly portfolio revenue grew year over year for each quarter in 2024 as well as in the first quarter of 2025, as a result of growth in deployments as well as strong collection performance versus our ERCs as represented in the changes in recoveries. Revenue in the first quarter of 2025 grew year over year also as a result of the Conn&#8217;s Portfolio Purchase, which contributed $30.0&#160;million for the first quarter of 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Credit card revenue was stable for the periods presented with a declining trend in the second half of 2024 and into the first three&#160;months of 2025, as a result of stable credit card receivables declining in the second half of 2024 and in the first three&#160;months of 2025, particularly in our Canadian credit card portfolio.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Servicing revenue grew sequentially quarter over quarter for all periods presented, with the exception of the third quarter of 2023, primarily due to growth in placements to our U.K. servicing businesses, Resolvecall and Moriarty as well as the Conn&#8217;s Portfolio Purchase which contributed $3.7&#160;million during the three&#160;months ended March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-size:9.5pt;">Quarterly Operating Expenses Trends<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Salaries and benefits increased in the second quarter of 2023, thereafter remaining relatively flat for the third and fourth quarters of 2023 before increasing sequentially quarter over quarter for all 2024 periods and into the first three&#160;months of 2025 presented due to support requirements associated with growth in our organization. Additionally, the increase in the first quarter of 2025 was partially due to the Conn&#8217;s Portfolio Purchase, which added $3.3&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Servicing expenses increased year over year for each quarter in 2024 and during the three&#160;months ended March&#160;31, 2025, with the increase primarily driven by increased collections. Additionally, the increase in the first quarter of 2025 was partially due to the Conn&#8217;s Portfolio Purchase which added $3.7&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Depreciation and amortization was stable for all periods presented except the fourth quarter of 2024 and first quarter of 2025, when it increased due to incremental intangible assets associated with the Conn&#8217;s Portfolio Purchase, which equated to $1.1&#160;million of additional amortization.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Professional fees were generally stable for the periods presented, but were higher for the second quarter of 2023 as a result of increased legal fees related to our expansion into Latin America and in the fourth quarter </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">97</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">of 2024, primarily due to one-time items associated with the Conn&#8217;s Portfolio Purchase, which were $4.3&#160;million. Performance has stabilized back to normal levels during the three&#160;months ended March&#160;31, </font><font style="letter-spacing:-0.361pt;">2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Other selling, general and administrative expenses consist of rent expense, travel and entertainment expenses, and other general overhead expenses. These expenses were generally stable for the periods presented, but were higher for the fourth quarter of 2024 primarily due to a one-time cost associated with the potential realization of an exit incentive related to the Canaccede acquisition, which was $7.7&#160;million. During the three&#160;months ended March&#160;31, 2025, these expenses were higher as a result of the Conn&#8217;s Portfolio Purchase, which added $2.2&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Quarterly Other Income (Expense) Trends<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Interest expense increased steadily for all periods presented. The increase was primarily driven by our increased deployments, which resulted in higher revolving credit facility balances, as well as by increased amortization of note payable origination fees.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Quarterly Adjusted EBITDA Trends<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>

          <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">Adjusted EBITDA grew year over year for each of the four quarters in 2024 as well as the first quarter of 2025 as a result of total revenue growth that outpaced growth in operating expenses. Specifically relating to the fourth quarter of 2024, Adjusted EBITDA was impacted by significant one-time expenses, including $4.3&#160;million</font><font style="letter-spacing:-0.361pt;">.</font>
          </div>

        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Supplemental Performance Data as of March&#160;31, 2025</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:11pt; width:456pt; line-height:11.5pt;font-style:italic;">Investments in Receivables, Net<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following tables show certain data related to our investment in receivables portfolios.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The accounts represented in the Insolvency category in the tables below are those portfolios of accounts that were in an insolvency status at the time of purchase. This contrasts with accounts in our Distressed portfolios that file for bankruptcy/insolvency protection after we purchase them, which continue to be tracked in their corresponding Distressed portfolio. Distressed customers sometimes file for bankruptcy/insolvency protection subsequent to our purchase of the related Distressed portfolio. When this occurs, we adjust our collection practices to comply with bankruptcy/insolvency rules and procedures; however, for accounting purposes, these accounts remain in the original Distressed portfolio. Insolvency accounts may be dismissed voluntarily or involuntarily subsequent to our purchase of the Insolvency portfolio. Dismissal occurs when the terms of the bankruptcy are not met by the petitioner. When this occurs, we are typically free to pursue collection outside of bankruptcy procedures; however, for accounting purposes, these accounts remain in the original Insolvency pool.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Purchase price multiples can vary over time due to a variety of factors, including pricing competition, supply levels, age of the receivables acquired, and changes in our operational efficiency. For example, increased pricing competition during the 2005 to 2008 period negatively impacted purchase price multiples of our Distressed portfolio compared to prior&#160;years. Conversely, during the 2009 to 2011 period, additional supply occurred as a result of the 2008 recession, which resulted in an economic downturn. This created unique and advantageous purchasing opportunities, particularly within the Insolvency market, relative to the prior four&#160;years. Purchase price multiples can also vary among types of receivables. For example, we generally incur lower collection costs on our Insolvency portfolio compared with our Distressed portfolio. This allows us, in general, to pay more for an Insolvency portfolio and experience lower purchase price multiples, while generating similar net returns when compared with a Distressed portfolio.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">When competition increases and/or supply decreases, pricing often becomes negatively impacted relative to expected collections, and yields tend to trend lower. The opposite tends to occur when competition decreases and/or supply increases.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Within a given portfolio type, to the extent that lower purchase price multiples are the result of more competitive pricing and lower net yields, this will generally lead to lower profitability. As portfolio pricing becomes more favorable on a relative basis, our profitability will tend to increase. Profitability within given Distressed portfolio types may also be impacted by the age and quality of the receivables, which impact the cost-to-collect on those accounts. Fresher accounts, for example, typically carry lower associated collection expenses, while older </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">98</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">accounts and lower balance accounts typically carry higher costs and, as a result, require higher purchase price multiples to achieve the same net profitability as fresher paper.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">We acquire portfolios and record them at the price paid at the time of acquisition. Beginning in 2022, with the adoption of CECL, we aggregate the acquired pools during the year such that during the year the blended effective interest rate will change to reflect new buying and additional cash flow estimates until the end of the respective year. Once the year is completed, the effective interest rate is fixed at the amount we expect to collect discounted at the rate to equate purchase price to the recovery estimate. During the first year of purchase, we typically allow pools to season before making any material adjustments to the ERCs. Subsequent to the initial year, as we gain collection experience and confidence with a pool of accounts, we evaluate whether to update the annually aggregated ERC. These processes could cause the ratio of ERC to purchase price for any given year of buying to gradually change over time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The numbers presented in the following tables represent collections and do not reflect any costs to collect; therefore, they may not represent relative profitability. Due to all the factors described above, readers should be cautious when making comparisons of purchase price multiples among periods and between types of receivables.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="text-transform:uppercase;letter-spacing:0.475pt;">PURCHASE PRICE MULTIPLES AS OF March 31, 2025</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.475pt;">Excludes Resale as Noted at Bottom</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.475pt;">($ in millions)</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:0pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:0pt;text-align:left;" colspan="4">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Price</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Life-to-Date</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collections</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ERC</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Grand</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:8.8pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Current</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collection</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Multiple </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:8.8pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Original</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collection</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Multiple</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(5)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:137.3pt;" colspan="4">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.3pt 0pt 2.25pt 0pt; width:307.85pt;text-align:center;" colspan="34">
              <div style="white-space:nowrap; text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:6.25pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:1px 0pt; width:30.43pt;vertical-align:middle;" rowspan="12">
              <div style="text-align:center;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.038pt;">US Distressed</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2003&#8201;&#8211;&#8201;2016</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(6)</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">339.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,004.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">40.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,045.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.07x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.28x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2017 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">55.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">164.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">24.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">189.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.43x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.36x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2018 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">76.2</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">205.1</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">42.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">247.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.25x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.70x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">94.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">259.0</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">28.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">287.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.03x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.29x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">74.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">172.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">53.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">225.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.04x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.20x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">73.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">108.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">61.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">169.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.32x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.97x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">142.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">133.5</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">155.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">289.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.03x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.00x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">337.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">236.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">545.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">782.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.32x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.11x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">481.5</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">195.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">792.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">987.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.05x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.98x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.75pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:-0.175pt 0pt 2pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">92.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">7.1</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">198.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">205.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.21x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.21x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:14.75pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2.75pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,767.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2,486.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,942.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4,429.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1px 0pt; width:30.43pt;text-align:left;vertical-align:middle;" rowspan="12">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:5.43pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.825pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.038pt;">US Insolvency</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2003&#8201;&#8211;&#8201;2016</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(6)</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">235.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">365.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">366.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.55x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.72x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2017  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">49.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">62.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">63.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.28x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.35x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2018  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">86.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">106.5</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">109.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.27x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.30x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2019  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">62.2</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">83.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">5.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">89.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.44x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.31x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2020  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">30.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">41.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">7.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">49.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.63x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.40x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2021  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">23.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">29.5</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">6.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">35.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.50x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.25x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2022  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">40.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">35.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">17.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">52.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.30x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.30x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2023  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">66.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">40.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">53.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">94.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.41x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.34x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2024  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">71.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">14.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">82.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">97.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.37x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.39x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2025  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">26.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.1</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">35.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">35.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.35x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.35x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:22.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">693.4</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">781.0</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">212.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 12pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">993.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">99</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:0pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:137.3pt;text-align:left;" colspan="4">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Price</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Life-to-Date</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collections</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ERC</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Grand</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:8.8pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Current</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collection</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Multiple </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:8.8pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Original</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collection</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Multiple</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(5)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:137.3pt;" colspan="4">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:307.85pt;text-align:center;" colspan="34">
              <div style="white-space:nowrap; text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:6.25pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:1px 0pt; width:30.43pt;text-align:left;vertical-align:middle;" rowspan="12">
              <div style="text-align:justify;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 1.25pt 0pt; width:147.47pt;text-align:left;" colspan="7">
              <div style="font-size:9.5pt;">
                <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.038pt;">UK Distressed &amp; Insolvency</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2009&#8201;&#8211;&#8201;2016  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">22.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">60.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">64.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.80x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.94x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2017  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">5.46x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.90x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2018  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">11.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">16.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">5.23x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.20x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2019  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">7.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">17.4</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">5.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">22.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.18x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.91x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2020  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">13.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">25.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">8.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">34.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.61x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.74x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2021  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">19.4</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">23.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">9.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">32.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.69x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.67x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2022  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">18.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">23.4</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">23.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">47.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.50x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.22x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2023  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">26.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">22.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">45.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">68.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.57x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.08x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2024  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">29.4</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">9.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">41.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">50.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.73x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.70x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.75pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:-0.175pt 0pt 2pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2025  </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.1</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.99x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.99x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:14.75pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2.75pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">143.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">198.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">146.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">345.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:1px 0pt; width:30.43pt;text-align:left;vertical-align:middle;" rowspan="12">
              <div style="text-align:justify;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Vintage</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.825pt 0pt 1.25pt 0pt; width:147.47pt;text-align:left;" colspan="7">
              <div style="font-size:9.5pt;">
                <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.038pt;">Canada Insolvency</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(7)</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2008&#8201;&#8211;&#8201;2016  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">94.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">187.2</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">187.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.98x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.67x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2017  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">26.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">48.4</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">48.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.85x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.53x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2018  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">40.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">85.0</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">85.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.10x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.80x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2019  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">34.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">67.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">69.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.00x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.72x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2020  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">29.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">49.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">53.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.81x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.60x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2021  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">23.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">31.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">8.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">39.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.68x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.62x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2022  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">18.5</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">16.1</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">10.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">27.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.46x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.47x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2023  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">38.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">17.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">36.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">54.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.40x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.35x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2024  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">61.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">8.0</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">77.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">86.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.39x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.38x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:-0.175pt 0pt 2pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2025  </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">46.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.1</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">58.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">61.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.33x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.33x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:14.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2.75pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">415.2</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">514.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">197.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">712.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:1px 0pt; width:30.43pt;text-align:left;vertical-align:middle;" rowspan="12">
              <div style="text-align:justify;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.825pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.038pt;">Canada Distressed</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(7)</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2008&#8201;&#8211;&#8201;2016  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">57.5</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">121.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">125.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.18x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.81x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2017  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">23.2</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">54.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">58.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.50x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.17x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2018  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">14.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">58.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">8.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">67.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4.61x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.52x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2019  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">12.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">40.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">44.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3.46x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.19x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2020  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">19.7</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">39.4</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">8.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">47.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.42x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.06x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2021  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">9.2</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">13.2</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">18.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.97x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.79x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2022  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">24.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">20.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">15.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">36.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.49x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.69x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2023  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">18.4</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">13.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">20.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">33.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.84x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.61x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2024  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">33.5</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">19.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">41.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">61.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.84x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.83x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.75pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:-0.175pt 0pt 2pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2025  </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">5.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">0.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">9.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">10.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.81x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.81x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:14.75pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2.75pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">218.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">382.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">119.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">502.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1px 0pt; width:30.43pt;text-align:left;vertical-align:middle;" rowspan="8">
              <div style="text-align:justify;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:5.43pt;" rowspan="8">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.825pt 0pt 1.25pt 0pt; width:147.47pt;text-align:left;" colspan="7">
              <div style="font-size:9.5pt;">
                <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.038pt;">Latin&#160;America&#160;Distressed</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2021  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">7.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">10.5</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">8.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">19.2</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.43x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.58x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2022  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">25.0</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">30.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">37.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">68.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.75x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.67x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2023  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">42.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">36.2</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">69.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">105.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.48x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.39x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2024  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">45.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">16.0</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">98.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">114.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.49x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.35x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:-0.175pt 0pt 2pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2025  </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.48x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.48x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:24.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2.75pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">123.1</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">93.6</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">218.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">312.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.75pt;line-height:7.75pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="41">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">100</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:296.91pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:0pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:0pt;text-align:left;" colspan="4">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Price</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Life-to-Date</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collections</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ERC</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:19.3pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Grand</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:8.8pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Current</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collection</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Multiple </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.42pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:8.8pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Original</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collection</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Multiple</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(5)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:137.3pt;" colspan="4">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; width:307.85pt;text-align:center;" colspan="34">
              <div style="white-space:nowrap; text-align:center; line-height:10.5pt;font-size:8pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:6.25pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1px 0pt; width:30.43pt;text-align:left;vertical-align:middle;" rowspan="13">
              <div style="text-align:justify;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:5.43pt;" rowspan="13">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.038pt;">Total</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; line-height:12pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2003&#8201;&#8211;&#8201;2016</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(6)</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">750.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,740.4</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">47.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,788.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.38x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.98x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2017  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">155.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">333.5</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">30.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">363.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.34x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.87x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2018  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">221.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">466.8</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">60.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">527.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.38x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.97x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2019  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">211.6</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">468.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">44.1</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">512.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.42x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.89x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2020  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">166.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">328.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">80.8</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">409.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.46x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.90x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2021  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">156.9</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">216.9</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">98.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">315.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.01x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.74x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2022  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">269.5</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">260.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">260.3</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">521.0</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.93x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.91x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2023  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">530.8</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">367.3</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">771.6</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,138.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2.15x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.96x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2024  </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">723.3</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">263.7</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,133.7</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1,397.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.93x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 1.25pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.88x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:13.75pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:-0.175pt 0pt 2pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.361pt;">2025  </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">175.2</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">11.0</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">310.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">321.5</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.83x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">
              <div style="font-size:9.5pt;">&#8203;</div>
            </td>
            <td style="padding:-0.175pt 0pt 2pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">1.83x</div>
            </td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:24.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:0pt;">
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2.75pt 0pt; width:95.99pt;text-align:left;">
              <div style="white-space:nowrap;font-size:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">3,361.4</div>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt; width:5.43pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">4,457.5</div>
            </td>
            <td style="padding:0pt;padding-left:5.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">2,837.9</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-size:9.5pt;">$</div>
            </td>
            <td style="padding:0.075pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">
              <div style="font-size:9.5pt;">7,295.4</div>
            </td>
            <td style="padding:0pt;padding-left:0.00499999999999901pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt; width:5.42pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.75pt;line-height:7.75pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="41">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:4.5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes the portfolios that were acquired through our business acquisitions from the date of acquisition.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">For our non-U.S. amounts, purchase price is presented at the exchange rate on the date the pool was purchased.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">For our non-U.S. amounts, historical period exchange rates are presented at the respective exchange rate for each collection period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
            <br >
          </div>
          <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">For our non-U.S. amounts, Total ERC is presented at the exchange rate as of March 31, 2025</font><font style="letter-spacing:-0.266pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">The original estimated purchase price multiple represents the purchase price multiple at the end of the year of acquisition.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(6)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">This vintage data excludes forward flow purchases that were resold between 2005 and 2008 shortly after purchase and does not reflect typical collection multiples as there is no cost-to-collect for accounts that were resold.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:5.5pt;">
          <font style=" position:relative; bottom:2.75pt;letter-spacing:-0.209pt;">(7)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:5.5pt;">
          <font style="font-size:7pt;letter-spacing:-0.028pt;">Adjusted to include historical information from Canaccede Financial Group and its predecessor businesses. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">101</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table illustrates collections from purchased receivables, total portfolio revenue for the three months ended March&#160;31, 2025 and investment in receivables, net as of March&#160;31, 2025 and monthly EIR, by year of purchase:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">RECEIVABLE PORTFOLIO FINANCIAL INFORMATION, BY YEAR OF PURCHASE</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:0.35pt;">(1)</font><font style="letter-spacing:0.475pt;"> </font>
          <br >
          <font style="letter-spacing:0.475pt;">($ in millions)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS ENDED MARCH 31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS OF </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">MARCH 31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">COLLECTIONS </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PORTFOLIO </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INCOME </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">CHANGES IN </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">RECOVERIES </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PORTFOLIO </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">REVENUE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INVESTMENTS IN </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">RECEIVABLES, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">NET </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">MONTHLY </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">EIR </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">US Distressed </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="margin-left:12.91pt;letter-spacing:-0.361pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="margin-left:12.91pt;letter-spacing:-0.361pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="margin-left:7.11pt;letter-spacing:-0.361pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="margin-left:12.91pt;letter-spacing:-0.361pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">ZBA</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2003&#8201;&#8211;&#8201;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(6.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">48.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(1.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">12.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(2.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">31.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(2.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">95.3</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">40.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">24.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">26.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">318.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">121.7</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">49.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.9</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">64.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">412.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">7.0</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">5.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">7.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">93.1</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">199.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">103.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">6.1</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">109.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">1,011.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49999999999997pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">US Insolvency </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2003&#8201;&#8211;&#8201;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(1.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">8.3</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">6.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">4.9</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">14.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">43.6</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(1.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">63.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">26.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">14.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">6.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(4.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">168.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">UK Distressed &amp; Insolvency </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2010&#8201;&#8211;&#8201;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">5.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">6.1</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">12.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(1.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">25.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">26.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">10.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(3.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">80.2</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Canada Distressed </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">ZBA</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">3.6</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">11.6</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">23.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">9.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">5.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">5.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">54.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Canada Insolvency </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">ZBA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">6.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">29.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">59.3</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">44.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">16.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">5.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">152.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Latin America </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1pt 0pt 12pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:27.75pt; text-align:right; white-space:nowrap;">33.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">3.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">102</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:30.61pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS ENDED MARCH 31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">AS OF </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">MARCH 31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">COLLECTIONS </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PORTFOLIO </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INCOME </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">CHANGES IN </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">RECOVERIES </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PORTFOLIO </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">REVENUE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">INVESTMENTS IN </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">RECEIVABLES, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">NET </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">MONTHLY </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">EIR </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">44.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">5.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">10.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">9.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">94.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 1pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Grand Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">260.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">138.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">3.6</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">142.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,561.6</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:10.5pt;line-height:10.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Note:</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Not adjusted to include historical information from Canaccede Financial Group and its predecessor businesses. Results of Canaccede Financial Group and its predecessor businesses for deployments from prior to the date of our acquisition are consolidated in the 2020 vintage year.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Refers to revenue from zero basis accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <table style="width:456pt;margin-top:9.28999999999999pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year-Ended December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collections </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Portfolio</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Changes in</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Recoveries </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Portfolio</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Investments in</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Receivables, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Net </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Monthly</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">EIR </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">US Distressed</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">ZBA</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2003&#8201;&#8211;&#8201;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">49.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">48.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(20.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">28.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">55.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">18.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">18.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(4.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">14.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">13.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">18.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">15.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(12.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">34.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">49.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">31.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(5.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">26.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">103.1</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">147.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">103.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">30.6</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">133.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">332.9</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">72.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">48.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">11.1</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">59.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">469.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">2025</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">357.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">267.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">267.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,008.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">US Insolvency </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2003&#8201;&#8211;&#8201;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(4.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(1.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">9.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.7</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">7.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">5.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(2.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">16.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">23.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">47.2</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">67.1</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">2025</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">62.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">21.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">20.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">153.9</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">UK Distressed &amp; Insolvency </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2010&#8201;&#8211;&#8201;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">5.2</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">6.6</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(4.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">13.3</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">13.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">13.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">27.1</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">26.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">2025</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">39.4</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">30.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(2.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">28.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">81.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Canada Distressed </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">ZBA</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(3.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">8.5</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">15.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">25.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">2025</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">39.1</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">23.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">24.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">52.5 </td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.77pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">103</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:12pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year-Ended December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Collections </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Portfolio</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Changes in</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Recoveries </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Portfolio</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Investments in</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Receivables, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Net </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Monthly</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">EIR </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Canada Insolvency </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">ZBA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">15.7</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2.9</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">7.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">9.9</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">31.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.8</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">59.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">2025</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">46.9</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">18.0</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">5.4</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">23.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">112.0</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Latin America </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.2</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(2.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">6.5</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">10.8</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">17.7</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">15.6</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(1.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">13.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">32.4</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.4</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.7</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">42.3</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.75pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.75pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <font style="letter-spacing:-0.361pt;">2025</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0.5pt 0pt 0.5pt 0pt; width:138.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Subtotal </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">39.0</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">34.8</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">(3.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">31.2</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">89.1</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.75pt 0pt; width:138.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Grand Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">584.6</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">396.3</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">(0.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">395.9</td>
            <td style="padding:0pt;padding-left:1.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.5pt 0pt 1pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,497.7</td>
            <td style="padding:0pt;padding-left:8.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.54pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:10.75pt;line-height:10.75pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Note:</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Not adjusted to include historical information from Canaccede Financial Group and its predecessor businesses. Results of Canaccede Financial Group and its predecessor businesses for deployments from prior to the date of our acquisition are consolidated in the 2020 vintage year.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Refers to revenue from zero basis accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table illustrates historical collections, by year, on our portfolios.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">COLLECTIONS, BY YEAR, BY YEAR OF PURCHASE</font><font style=" position:relative; bottom:4pt;font-size:7pt;letter-spacing:0.35pt;">(1)</font><font style="letter-spacing:0.475pt;"> </font>
          <br >
          <font style="letter-spacing:0.475pt;">Excludes Resale as Noted at Bottom</font>
          <br >
          <font style="letter-spacing:0.475pt;">($ in millions)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:12pt;margin-bottom:92.11pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.48pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:25.63pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:65pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PURCHASE</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRICE </font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2003&#8201;&#8211;&#8201;2016 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2017 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2018 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">YTD</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">MARCH</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:10.11pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt; width:0pt;text-align:left;" colspan="7">
              <font style="border-bottom:1px solid #000000;letter-spacing:-0.032pt;">US Distressed </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:5.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;" rowspan="12">
              <div style="line-height:10.11pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.032pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.53pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; width:65pt;text-align:left;">
              <div style="line-height:10.11pt;">
                <font style="letter-spacing:-0.304pt;">2003&#8201;&#8211;&#8201;2016</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:18pt; text-align:right; white-space:nowrap;">339.9</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">679.3</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">80.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:12.75pt; text-align:right; white-space:nowrap;">66.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">51.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">41.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">32.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">21.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:20.25pt; text-align:right; white-space:nowrap;">1,004.9</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2017 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">55.3</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">16.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">30.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">27.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">28.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">25.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">16.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">164.7</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2018 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">76.2</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">21.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">45.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">45.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">41.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">24.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">14.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">205.1</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2019 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">94.8</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">74.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">62.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">44.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">28.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">18.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">259.0</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2020 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">74.1</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">60.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">37.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">18.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">172.3</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2021 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">73.1</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">23.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">37.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">24.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">18.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">108.3</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2022 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">142.1</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">16.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">55.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">49.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">133.5</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2023 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">337.6</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">147.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">40.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">236.6</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
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          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2024 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">481.5</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">73.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">122.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">195.3</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
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          <tr style="line-height:8pt;height:11.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:1.98pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2025 </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">92.9</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:20.25pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:23.34pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 2.555pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Total</font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:18pt; text-align:right; white-space:nowrap;">1,767.6</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">679.3</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">97.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">118.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">151.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">216.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">244.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">198.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">223.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">357.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">199.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:20.25pt; text-align:right; white-space:nowrap;">2,486.7 </td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="height:8.5pt;line-height:8.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="80">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">104</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:35.83pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.48pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:25.63pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:65pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PURCHASE</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRICE </font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2003&#8201;&#8211;&#8201;2016 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2017 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2018 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">YTD</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">MARCH</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:10.11pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt; width:0pt;text-align:left;" colspan="7">
              <font style="border-bottom:1px solid #000000;letter-spacing:-0.032pt;">US Insolvency </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:5.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;" rowspan="11">
              <div style="text-align:justify; line-height:10.11pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.032pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;" rowspan="11">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; width:65pt;text-align:left;">
              <div style="line-height:10.11pt;">
                <font style="letter-spacing:-0.304pt;">2003&#8201;&#8211;&#8201;2016</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">235.8</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">289.8</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">34.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">19.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:15.75pt; text-align:right; white-space:nowrap;">365.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2017 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">49.6</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">19.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">14.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">62.3</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2018 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">86.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">16.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">34.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">23.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">17.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">106.5</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2019 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">62.2</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">23.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">19.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">16.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">83.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2020 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">30.1</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">41.7</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2021 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">23.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">29.5</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2022 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">40.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">16.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">35.9</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2023 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">66.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">12.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">23.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">40.6</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2024 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">71.1</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">14.7</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:1.98pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2025 </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">26.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.98pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 2.555pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Total</font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">693.4</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">289.8</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">43.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">55.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">67.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">65.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">65.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">55.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">60.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">62.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">14.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.73pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">781.0</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:18.84pt; background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt;padding-top:6pt; width:25.63pt;text-align:left;vertical-align:middle;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:7.23pt 0pt 1.805pt 0pt; width:0pt;text-align:left;" colspan="7">
              <font style="border-bottom:1px solid #000000;letter-spacing:-0.032pt;">UK Distressed &amp; Insolvency </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:5.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;" rowspan="11">
              <div style="text-align:justify; line-height:10.11pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.032pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;" rowspan="11">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; width:65pt;text-align:left;">
              <div style="line-height:10.11pt;">
                <font style="letter-spacing:-0.304pt;">2009&#8201;&#8211;&#8201;2016 </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">22.9</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">40.8</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.743pt 0pt 1.617pt 0pt; line-height:10.11pt; min-width:15.75pt; text-align:right; white-space:nowrap;">60.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2017 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2018 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">11.3</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2019 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">17.4</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2020 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.1</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">25.6</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2021 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">19.4</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">23.6</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2022 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">18.9</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">23.4</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2023 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">13.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">22.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2024 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">29.4</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.973pt 0pt 1.637pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">9.7</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:1.96pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2025 </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.96pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 2.555pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Total</font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">143.3</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">40.8</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">5.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">4.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">5.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">13.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">24.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">21.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">32.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">39.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">10.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.71pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">198.6</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:18.84pt; background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1px 0pt;padding-top:6pt; width:25.63pt;text-align:left;vertical-align:middle;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:7.21pt 0pt 1.805pt 0pt; width:0pt;text-align:left;" colspan="7">
              <font style="border-bottom:1px solid #000000;"><font style="letter-spacing:-0.032pt;">CAD Insolvency</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(3)</font>
              </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:5.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;" rowspan="11">
              <div style="text-align:justify; line-height:10.11pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.032pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;" rowspan="11">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; width:65pt;text-align:left;">
              <div style="line-height:10.11pt;">
                <font style="letter-spacing:-0.304pt;">2008&#8201;&#8211;&#8201;2016 </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">94.8</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">89.5</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">31.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">26.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">20.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">12.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.713pt 0pt 1.647pt 0pt; line-height:10.11pt; min-width:15.75pt; text-align:right; white-space:nowrap;">187.2</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2017 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.3</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">48.4</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2018 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">40.9</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">16.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">21.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">19.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">13.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">85.0</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2019 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">34.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">12.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">18.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">15.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">67.9</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2020 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">29.3</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">13.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.963pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">49.6</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2021 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">23.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">31.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2022 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">18.5</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">16.1</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2023 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">38.8</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">17.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2024 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">61.9</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.953pt 0pt 1.657pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">8.0</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:1.94pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2025 </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">46.3</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.94pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 2.555pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Total</font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">415.2</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">89.5</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">37.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">44.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">51.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">59.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">64.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">56.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">48.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">46.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">16.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.68pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">514.9</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:18.84pt; background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1px 0pt;padding-top:6pt; width:25.63pt;text-align:left;vertical-align:middle;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:7.18pt 0pt 1.805pt 0pt; width:0pt;text-align:left;" colspan="7">
              <font style="border-bottom:1px solid #000000;"><font style="letter-spacing:-0.032pt;">CAD Distressed</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(3)</font>
              </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;height:5.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;" rowspan="12">
              <div style="text-align:justify; line-height:10.11pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.032pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.53pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; width:65pt;text-align:left;">
              <div style="line-height:10.11pt;">
                <font style="letter-spacing:-0.304pt;">2008&#8201;&#8211;&#8201;2016 </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">57.5</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">70.7</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">13.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.693pt 0pt 1.667pt 0pt; line-height:10.11pt; min-width:15.75pt; text-align:right; white-space:nowrap;">121.7</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2017 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">23.2</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">12.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">54.3</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2018 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">14.6</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">16.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">9.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.943pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">58.9</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2019 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.8</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">13.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">40.6</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2020 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">19.7</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">10.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">12.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">39.4</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2021 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.2</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">13.2</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2022 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">24.3</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">7.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">8.1</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">20.8</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2023 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">18.4</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">6.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">13.3</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98000000000002pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2024 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">33.5</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">15.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">4.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.933pt 0pt 1.677pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">19.9</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:1.91pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2025 </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">5.6</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.91pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:23.34pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 2.555pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Total</font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">218.8</td>
            <td style="padding:0pt;padding-left:4.79pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">70.7</td>
            <td style="padding:0pt;padding-left:8.575pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">23.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">29.4</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">46.8</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">45.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">45.9</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">39.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">33.2</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">38.6</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">9.5</td>
            <td style="padding:0pt;padding-left:2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.66pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:15.75pt; text-align:right; white-space:nowrap;">382.7 </td>
            <td style="padding:0pt;padding-left:3.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="height:8.5pt;line-height:8.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="80">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">105</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:11.9999999999999pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.48pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:25.63pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:65pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PURCHASE</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PRICE </font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2003&#8201;&#8211;&#8201;2016 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2017 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2018 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2020 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">YTD</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">MARCH</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.847pt 0pt 0.173pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TOTAL </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:10.11pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.805pt 0pt; width:0pt;text-align:left;" colspan="7">
              <font style="border-bottom:1px solid #000000;letter-spacing:-0.032pt;">LatAm Distressed </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:5.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;" rowspan="6">
              <div style="text-align:justify; line-height:10.11pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.032pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;" rowspan="6">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; width:65pt;text-align:left;">
              <div style="line-height:10.11pt;">
                <font style="letter-spacing:-0.304pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:18pt; text-align:right; white-space:nowrap;">7.9</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.763pt 0pt 1.597pt 0pt; line-height:10.11pt; min-width:18pt; text-align:right; white-space:nowrap;">10.5</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2022 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">25.0</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">14.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">30.9</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2023 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">42.6</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">17.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.013pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">36.2</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2024 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">45.8</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.003pt 0pt 1.607pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">16.0</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:1.99pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2025 </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.99pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:12.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 2.555pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Total</font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:18pt; text-align:right; white-space:nowrap;">123.1</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">11.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">32.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">39.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">10.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.74pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:18pt; text-align:right; white-space:nowrap;">93.6</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:18.84pt; background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:1px 0pt;padding-top:6pt; width:25.63pt;text-align:left;vertical-align:middle;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:7.24pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="border-bottom:1px solid #000000;letter-spacing:-0.032pt;">Total </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:5.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:1px 0pt; width:25.63pt;text-align:left;vertical-align:middle;" rowspan="12">
              <div style="text-align:justify; line-height:10.11pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.032pt;">Vintage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:3.53pt;" rowspan="12">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; width:65pt;text-align:left;">
              <div style="line-height:10.11pt;">
                <font style="letter-spacing:-0.304pt;">2003&#8201;&#8211;&#8201;2015</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:-0.228pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:18pt; text-align:right; white-space:nowrap;">750.8</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:18pt; text-align:right; white-space:nowrap;">1,170.1</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">165.4</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">126.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">94.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">67.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">47.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">28.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">20.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">16.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.753pt 0pt 1.607pt 0pt; line-height:10.11pt; min-width:18pt; text-align:right; white-space:nowrap;">1,740.4</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
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          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2017 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">155.3</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">41.7</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">75.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">62.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">55.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">44.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">333.5</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2018 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">221.6</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">50.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">115.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">103.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">89.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">56.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">30.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">16.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">466.8</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2019 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">211.6</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">51.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">126.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">114.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">83.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">55.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">33.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">468.7</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2020 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">166.3</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">105.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">74.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">54.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">38.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">328.7</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2021 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">156.9</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">45.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">72.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">38.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">216.9</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2022 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">269.5</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">39.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">110.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">90.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">20.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.993pt 0pt 1.617pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">260.7</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2023 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">530.8</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">91.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">219.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">56.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">367.3</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;height:11.59pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2024 </font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">723.3</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">120.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">143.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.983pt 0pt 1.627pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">263.7</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:11.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:1.97pt 0pt 1.805pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.304pt;">2025 </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">175.2</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.97pt 0pt 1.805pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">11.0</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:23.34pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 2.555pt 0pt; width:65pt;text-align:left;">
              <font style="letter-spacing:-0.032pt;">Total</font>
            </td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:18pt; text-align:right; white-space:nowrap;">3,361.4</td>
            <td style="padding:0pt;padding-left:1.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:18pt; text-align:right; white-space:nowrap;">1,170.1</td>
            <td style="padding:0pt;padding-left:4.915pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">207.0</td>
            <td style="padding:0pt;padding-left:-2.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">252.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">324.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">400.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">446.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">382.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">430.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">583.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">260.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:1.72pt 0pt 1.805pt 0pt;border-bottom:3pt double #000000; min-width:18pt; text-align:right; white-space:nowrap;">4,457.5</td>
            <td style="padding:0pt;padding-left:0.00500000000000256pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3.53pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="height:8.5pt;line-height:8.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="80">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:8.3pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes the acquisition date finance receivables portfolios that were acquired through our business acquisitions from the date of acquisition.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">For our non-U.S. amounts, purchase price is presented at the exchange rate on the date the pool was purchased.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Prior to 2025, U.S. Distressed excluded credit card collections from zero basis accounts associated with our Emblem and Fidem Brand Credit Card.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Excludes forward flow purchases that were resold between 2005 and 2008 shortly after purchase and do not reflect typical collection multiples as there is no cost-to-collect for accounts that were resold.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Adjusted to include historical information from Canaccede Financial Group and its predecessor businesses and excludes collections associated with recovering charged-off accounts in our credit card origination business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(6)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Prior to 2025, Canada Distressed excludes collections from zero basis accounts associated with Fidem Finance, Inc.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-size:9.5pt;">Deployments<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">The following graph shows deployments by year since 2014.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">Portfolio Purchases by Geography and Type</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="position:relative;margin-top:10.5pt; text-align:center; width:456pt;">
          <img src="bc_purchaseprice-4c.jpg" alt="[MISSING IMAGE: bc_purchaseprice-4c.jpg]" height="213" width="578" >
        </div>
        <div style="margin-top:6pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:5.3pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">*</font>
          <br >
        </div>
        <div style=" margin-top:5.3pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Acquired on March 9, 2020, with effective date of February 29, 2020.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000006pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">106</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table displays our quarterly deployments for the periods indicated.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:0.475pt;">Deployments by Geography and Business Line</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:105.98pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="52">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:105.98pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Mar.&#160;31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dec. 31</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Sep. 30</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jun. 30</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Mar. 31</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dec. 31</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Sep. 30</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Jun. 30</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Mar. 31</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:105.98pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="52">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:2.75pt 0pt 2.75pt 0pt; width:105.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.03pt;">US Distressed </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">92.9</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">299.2</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">76.7</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.9</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">101.0</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">58.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">107.8</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">70.0</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:3pt 0pt 2.75pt 0pt; width:105.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.03pt;">US Insolvency </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">26.7</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">21.1</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">24.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.1</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.4</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.9</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">17.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">17.4</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">19.6</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:3pt 0pt 2.75pt 0pt; width:105.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.03pt;">UK Distressed &amp; Insolvency </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.7</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.5</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.5</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.8</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.3</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.7</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:3pt 0pt 2.75pt 0pt; width:105.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.03pt;">Canada Insolvency </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">46.3</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.9</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">19.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.1</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.6</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.9</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.3</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.5</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:3pt 0pt 2.75pt 0pt; width:105.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.03pt;">Canada Distressed </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.6</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.7</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.75pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.875pt 0pt; width:105.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.03pt;">Latin America Distressed </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">12.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">16.1</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">8.0</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">14.6</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">5.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">4.6</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.875pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">18.2</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;">
            <td style="padding:2.75pt 0pt 3.625pt 0pt; width:105.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.03pt;">Total Purchases </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">175.2</td>
            <td style="padding:0pt;padding-left:2.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">356.6</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">124.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">140.5</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">101.4</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">153.9</td>
            <td style="padding:0pt;padding-left:0.515000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">100.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">153.9</td>
            <td style="padding:0pt;padding-left:0.290000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.875pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">122.5</td>
            <td style="padding:0pt;padding-left:1.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="56">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:10.91pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Liquidity and Capital Resources</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">We actively manage our liquidity to help provide access to sufficient funding to meet our business needs and financial obligations. As of March&#160;31, 2025, unrestricted cash and cash equivalents totaled $27.0&#160;million. Of the unrestricted cash and cash equivalent balance as of March&#160;31, 2025, $10.8&#160;million consisted of cash on hand related to international operations with indefinitely reinvested earnings.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, we had approximately $1,212.0&#160;million in borrowings outstanding, net of unamortized debt issuance costs. Considering borrowing base restrictions, as of December 31, 2024, the amount available to be drawn under our Revolving Credit Facility (as defined herein) was $300.7&#160;million. For more information, see Note 7 to our consolidated financial statements included elsewhere in this prospectus. In addition, in May 2025, Jefferson Capital Holdings, LLC completed an offering of $500.0&#160;million aggregate principal amount of 8.250% senior notes due 2030. See &#8220;Description of Certain Indebtedness.&#8221;</font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:253.23pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">FOR THE THREE MONTHS </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ENDED OR AS OF MARCH 31,</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">FOR THE Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">OR AS OF December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:253.23pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:253.23pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:253.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total borrowings </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,212.0</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">795.9</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,194.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">770.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:253.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Unamortized debt issuance costs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">12.3</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">15.9</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">13.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">10.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:253.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Unrestricted cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(27.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(10.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(35.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">(14.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:253.23pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net debt </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,197.3</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">801.0</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,172.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">766.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:253.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Adjusted cash EBITDA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">210.6</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">89.8</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">430.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">305.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:253.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Leverage ratio (net debt / adjusted cash EBITDA) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:2.43pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:28.5pt; text-align:right; white-space:nowrap;">2.72x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">2.51x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:2.7pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Our leverage is measured for purposes of our financial covenants in our Revolving Credit Facility based on a ratio of net debt to adjusted cash EBITDA but focused on just the Borrowers (as defined below) and as such, excludes adjusted cash EBITDA related to our Latin America operations as well as to a small portion of our Canadian assets. Additionally, the rating agencies who rate our Senior Notes look to the ratio of net debt to adjusted cash EBITDA as a primary metric in their ratings methodology. For more information of the Senior Leverage Ratio, Leverage Ratio and Fixed Charge Coverage Ratio, which use adjusted cash EBITDA in the calculation of those covenants, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Revolving Credit Facility.&#8221; Additional information regarding adjusted cash EBITDA, a non-GAAP financial measure, is outlined further below.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">We were in compliance with the covenants of our financing arrangements as of March&#160;31, 2025. Financial covenants are important in determining the level of cash flow that we need to maintain in relation to our ability </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">107</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">to incur debt under our Revolving Credit Facility. If these financial covenants are not met, we would be in breach of our Revolving Credit Facility agreement if not cured through an additional pay down within the designated timeframe.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Adjusted Cash EBITDA</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Adjusted cash EBITDA is a supplemental financial measure that is not required by, or presented in accordance with, GAAP. We present adjusted cash EBITDA because it is an important measure of our cash flow that can be used to evaluate our liquidity. Our management believes adjusted cash EBITDA also helps us provide enhanced period-to-period comparability of our cash flow by aligning our collection expenses with our collections. Adjusted cash EBITDA should not be considered as an alternative to net cash provided by operating activities determined in accordance with GAAP.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Some of the limitations related to the use of adjusted cash EBITDA as an analytical tool include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted cash EBITDA does not reflect our future requirements for capital expenditures or contractual commitments;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted cash EBITDA does not reflect changes in, or cash requirements for, our working capital needs;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">adjusted cash EBITDA does not reflect the interest expense, or the cash requirements necessary to make interest or principal payments, on our debts;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">although depreciation and amortization are non-cash charges, the assets being depreciated and amortized will have to be replaced in the future, and adjusted cash EBITDA does not reflect any cash requirements for such replacements; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">other companies in our industry may calculate adjusted cash EBITDA differently than we do, limiting its usefulness as a comparative measure.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Because of these limitations, adjusted cash EBITDA should not be considered as a measure of discretionary cash available to us to invest in the growth of our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Set forth below is a reconciliation of adjusted cash EBITDA to net cash provided by operating activities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:270.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.417pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">THREE MONTHS </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">ENDED MARCH 31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.417pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:270.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.5pt 0pt 2.25pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.5pt 0pt 2.25pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.5pt 0pt 2.25pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.5pt 0pt 2.25pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:270.86pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ IN MILLIONS) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by operating activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">51.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">35.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">168.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">120.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in prepaid expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(36.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(8.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(3.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(3.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(2.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(0.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(4.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Cash interest paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">23.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">16.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">73.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">45.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">9.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(142.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(91.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(395.9<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(293.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Gross collections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">260.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">127.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">584.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">431.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Stock-based compensation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Conn&#8217;s one-time items</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.25pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">7.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.25pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2pt 0pt; width:270.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Merger and acquisition and other one-time expenses</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">2.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 2.75pt 0pt; width:270.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Adjusted cash EBITDA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">210.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">89.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">430.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 2pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">305.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.75pt;line-height:7.75pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Components include: (i) cure amounts associated with assumed contracts related to the Conn&#8217;s Portfolio Purchase, where we paid past-due amounts owed to the vendor upon assuming such contracts; and (ii) legal fees for highly specialized expertise related to the Conn&#8217;s bankruptcy process. In a typical portfolio purchase, we do not assume any contracts and do not incur either of these types of expenses.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:4.9pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes acquisition fees and expenses and one-time corporate legal expenses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">108</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:94.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Revolving Credit Facility</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On November&#160;13, 2024, we amended our existing Revolving Credit Facility (as supplemented or otherwise modified from time to time, the &#8220;Revolving Credit Facility&#8221;) with Citizens Bank, N.A., as administrative agent, and the lenders from time-to-time party thereto. As amended, the Revolving Credit Facility provides for borrowings in an aggregate principal amount of $825.0&#160;million (subject to compliance with a borrowing base and applicable debt covenants) and matures on April&#160;26, 2028. As of March 31, 2025, there was $524.3&#160;million aggregate principal amount of loans outstanding under the Revolving Credit Facility. In May&#160;2025, we issued $500.0 million aggregate principal amount of 2030 Notes and used a majority of the proceeds therefrom, net of fees, to pay down the outstanding balance under the Revolving Credit Facility. For additional information on material terms, see &#8220;Description of Certain Indebtedness &#8212; Revolving Credit Facility.&#8221;</font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">6.000% Senior Notes due 2026</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On August&#160;4, 2021, Jefferson Capital Holdings, LLC completed an offering of $300.0&#160;million aggregate principal amount of 6.000% senior notes due 2026 (the &#8220;2026 Notes&#8221;) under an indenture (the &#8220;2026 Notes Indenture&#8221;), dated as of August&#160;4, 2021, among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association (as successor to U.S. Bank National Association), as trustee. The 2026 Notes are general senior unsecured obligations of Jefferson Capital Holdings, LLC and are guaranteed by certain of Jefferson Capital Holdings, LLC&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2026 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on February&#160;15, 2022. The 2026 Notes mature on August&#160;15, 2026. As of March 31, 2025, there was approximately $300.0&#160;million aggregate principal amount of the 2026 Notes outstanding. For additional information on material terms, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">6.000% Senior Notes due 2026.&#8221;</font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">9.500% Senior Notes due 2029</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On February&#160;2, 2024, Jefferson Capital Holdings, LLC completed an offering of $400.0&#160;million aggregate principal amount of 9.500% senior notes due 2029 (the &#8220;2029 Notes&#8221;) under an indenture (the &#8220;2029 Notes Indenture&#8221;), dated as of February&#160;2, 2024, among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee. The 2029 Notes are general senior unsecured obligations of Jefferson Capital Holdings, LLC and are guaranteed by certain of Jefferson Capital Holdings, LLC&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2029 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on August&#160;15, 2024. As of March&#160;31, 2025, there was approximately $400.0 million aggregate principal amount of the 2029 Notes outstanding. The 2029 Notes mature on February&#160;15, 2029. For additional information on material terms, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">9.500% Senior Notes due 2029.&#8221;</font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">8.250% Senior Notes due 2030</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On May 2, 2025, Jefferson Capital Holdings, LLC completed an offering of $500.0 million aggregate principal amount of the 2030 Notes under the New Notes Indenture. The 2030 Notes are general senior unsecured obligations of Jefferson Capital Holdings, LLC and are guaranteed by certain of Jefferson Capital Holdings, LLC&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2030 Notes is payable semi-annually on May&#160;15 and November&#160;15 of each year, commencing on November&#160;15, 2025. The 2030 Notes mature on May&#160;15, 2030. For additional information on material terms, see &#8220;Description of Certain Indebtedness</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">8.250% Senior Notes due 2030.&#8221; </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">109</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:125.57pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Cash Flows Analysis for the Three Months Ended March 31, 2025 and 2024</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes our cash flow activity for the three&#160;months ended March&#160;31, 2025 and </font><font style="letter-spacing:-0.361pt;">2024:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:274.72pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:274.72pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:274.72pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:274.72pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total cash flow provided by / (used in)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:274.72pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Operating activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">51.7</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">35.4</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">16.3</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">46.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:274.72pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Investing activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(56.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(65.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">9.3</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(14.2<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:274.72pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Financing activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(0.5<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">25.2</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">(25.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(102.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.333pt 0pt 1.417pt 0pt; width:274.72pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Exchange rate effects on cash balances held in foreign currencies </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(2.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.7<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:24pt; text-align:right; white-space:nowrap;">64.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.083pt 0pt 2.167pt 0pt; width:274.72pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net decrease in cash and cash equivalents and restricted cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(7.8<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(6.6<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(1.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:5.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 1.417pt 0pt;padding-bottom:1.75pt; min-width:24pt; text-align:right; white-space:nowrap;">18.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.69pt; width:456pt; line-height:11.5pt;font-style:italic;">Operating Activities<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The change in our cash flows from operating activities in the three&#160;months ended March&#160;31, 2025 was primarily due to collections recognized as revenue offset by cash paid for operating expenses, interest, and income taxes. Key drivers of operating activities were adjusted for (i)&#160;non-cash items included in net income such as provisions for credit losses and depreciation and amortization and (ii)&#160;changes in the balances of operating assets and liabilities, which can vary significantly in the normal course of business due to the amount and timing of payments. Net cash provided by operating activities increased $16.3&#160;million, or 46.0%, when compared to the three&#160;months ended March&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Investing Activities<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Cash used in investing activities is normally driven by acquisitions of nonperforming loans and purchases of investments. Cash provided by investing activities is mainly driven by collections applied on finance receivables and proceeds from the sale of investments and subsidiaries.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The change in our cash flow from investing activities decreased $9.3&#8199;million in the three&#160;months ended March&#160;31, 2025, primarily due to increased collections from increased deployments of $73.8&#8199;million when compared to the three&#160;months ended March&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Financing Activities<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Cash from financing activities is normally provided by draws on our credit facility and proceeds from debt offerings. Cash used in financing activities is primarily driven by principal payments on our credit facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The change in our cash flow from financing activities decreased $25.7&#160;million, primarily due to net activity associated with our credit facility as well as increased distributions in the three&#160;months ended March&#160;31, 2025. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">110</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Cash Flows Analysis for the Years Ended December&#160;31, 2024 and 2023</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes our cash flow activity for the year ended December&#160;31, 2024 and 2023:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;height:20.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:269.02pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Increase</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Decrease) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:10.5pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">%</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:269.02pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:269.02pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:269.02pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total cash flow provided by / (used in)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:269.02pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Operating activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">168.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">120.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">48.0</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">39.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:269.02pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Investing activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(542.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(403.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(139.0<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">34.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:269.02pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Financing activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">388.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">289.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">98.9</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">34.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.333pt 0pt 1.417pt 0pt; width:269.02pt;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Exchange rate effects on cash balances held</font>
                <br >
                <font style="letter-spacing:-0.038pt;">in foreign currencies </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">3.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(1.2<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">4.2</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #CCEEFF; min-width:24pt; text-align:right; white-space:nowrap;">(350.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:269.02pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net increase in cash and cash equivalents and restricted cash </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">17.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">12.1</td>
            <td style="padding:0pt;padding-left:2.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:24pt; text-align:right; white-space:nowrap;">220.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3.7pt; width:456pt; line-height:11.5pt;font-style:italic;">Operating Activities<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The change in our cash flows from operating activities in the year ended December&#160;31, 2024 was primarily due to collections recognized as revenue offset by cash paid for operating expenses, interest, and income taxes. Key drivers of operating activities were adjusted for (i)&#160;non-cash items included in net income such as provisions for credit losses and depreciation and amortization; and (ii)&#160;changes in the balances of operating assets and liabilities, which can vary significantly in the normal course of business due to the amount and timing of payments. Net cash provided by operating activities increased $48.0&#160;million, or 39.9%, when compared to the year ended December&#160;31, 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Investing Activities<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Cash used in investing activities is normally driven by acquisitions of nonperforming loans and purchases of investments. Cash provided by investing activities is mainly driven by collections applied on finance receivables and proceeds from the sale of investments and subsidiaries.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The change in our cash flow from investing activities decreased $139.0 million in the year ended December&#160;31, 2024, primarily due to increased deployments of $192.4 million when compared to the year ended December&#160;31, 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Financing Activities<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Cash from financing activities is normally provided by draws on our credit facility and proceeds from debt offerings. Cash used in financing activities is primarily driven by principal payments on our credit facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The change in our cash flow from financing activities increased $99.0&#160;million, primarily due to proceeds from increased borrowings under our credit facility in the year ended December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Contractual Obligations</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our contractual obligations as of March&#160;31, 2025, were as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:215.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Less Than</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">1 Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">1&#8201;&#8211;&#8201;3</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Years </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">3&#8201;&#8211;&#8201;5</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Years </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">More Than</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">5 Years </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:215.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Operating leases </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">6.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.4</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:215.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Revolving credit</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">566.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">38.9</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">527.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:215.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Long-term debt</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">875.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">56.0</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">385.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">434.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:215.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Purchase commitments</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">263.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">192.9</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">70.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:215.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Other liabilities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:215.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,720.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">289.2</td>
            <td style="padding:0pt;padding-left:2.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">993.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">436.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:9.625pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes estimated interest and unused line fees due on our revolving credit facility and assumes that the outstanding balance on such facility remain constant from the December&#160;31, 2024 balance to maturity.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">111</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:140.11pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:8.3pt; text-align:left; width:20pt;white-space:nowrap;font-size:5.5pt;">
          <font style=" position:relative; bottom:2.75pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" line-height:8.3pt; text-align:left; margin-left:20pt;font-size:5.5pt;">
          <font style="font-size:7pt;letter-spacing:-0.028pt;">Includes scheduled interest and principal payments on the 2026 Notes and the 2029 Notes.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:5.5pt;">
          <font style=" position:relative; bottom:2.75pt;letter-spacing:-0.209pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:5.5pt;">
          <font style="font-size:7pt;letter-spacing:-0.028pt;">Reflects the expected remaining amount to be purchased under forward flow and other contracts for the purchase of receivable portfolios.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Includes $7.7&#160;million related to Canaccede exit consideration and $1.1 million related to an earnout related to Moriarity.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Off Balance Sheet Arrangements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We do not have any off-balance sheet arrangements as defined by Item&#160;303(a)(4) of Regulation&#160;S-K promulgated under the Exchange Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Critical Accounting Estimates</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The discussion and analysis of our financial condition and results of operations are based upon our consolidated financial statements, which have been prepared in accordance with GAAP. Our significant accounting policies are fundamental to understanding our results of operations and financial condition because they require that we use estimates, assumptions and judgments that affect the reported amounts of revenues, expenses, assets and liabilities. Our significant accounting estimates are discussed in Note 1 to our consolidated financial statements included elsewhere in this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have identified the following accounting estimates as critical because they require significant judgment and assumptions about highly complex and inherently uncertain matters, and the use of reasonably different estimates and assumptions could have a material impact on our results of operations or financial condition. Our critical accounting estimates are as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Goodwill</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Allowance for credit losses</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We evaluate our critical accounting estimates and judgments on an ongoing basis and update them as necessary, based on several items, including, but not limited to, changing macroeconomic and market conditions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Total portfolio revenue</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Total portfolio revenue involves the use of estimates and the exercise of judgment on the part of management. These estimates include forecasts of the amount and timing of cash collections we expect to receive from our pools of accounts. We then project ERC and apply a discounted cash flow methodology to our ERC. Adjustments to ERC may include adjustments reflecting recent collection trends, our view of current and future economic conditions, changes in collection assumptions or other timing-related adjustments. Significant changes in our cash flow estimates could result in increased or decreased revenue as we immediately recognize the discounted value of such changes using the constant effective interest rate of the pool. Generally, adjustments to cash forecasts result in an adjustment to revenue at an amount less than the impact of the performance in the period due to the effects of discounting. Additionally, cash collection forecast increases will result in more revenue being recognized while cash collection forecast decreases result in less revenue being recognized over the life of the pool. </font>
        </div>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">112</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the impact of a hypothetical 1% decrease and increase in ERC as of December&#160;31, 2024 and 2023 on total portfolio revenue and income before taxes:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
          <tr style="line-height:7pt;height:9.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
            <td style="padding:11.5pt 0pt 3pt 0pt; width:92.65pt;text-align:left;" rowspan="2">
              <div style="white-space:nowrap; line-height:7pt; padding-bottom:0pt;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">($ in Millions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:2.25pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:2.25pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:2.25pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 3pt 0pt; width:0pt;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">1% REDUCTION in ERC </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 3pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">1% Increase in ERC </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7pt;height:27.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:7pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">ERC </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Portfolio</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">ERC </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Portfolio</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Impact on</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Income</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Before Taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">ERC </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Portfolio</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 3pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Impact on</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Income</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.35pt;">Before Taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:92.65pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.266pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2,744.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">395.9</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2,717.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">373.6</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">(22.3<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2,772.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">418.2</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.445pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">22.3</td>
            <td style="padding:0pt;padding-left:11.445pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:7pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 10.5pt 0pt; width:92.65pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.266pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">1,924.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">293.6</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">1,904.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">278.2</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:11.25pt; text-align:right; white-space:nowrap;">(15.4<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:17.25pt; text-align:right; white-space:nowrap;">1,943.3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">309.0</td>
            <td style="padding:0pt;padding-left:3.8pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.445pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:2.25pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 10.5pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:9.75pt; text-align:right; white-space:nowrap;">15.4</td>
            <td style="padding:0pt;padding-left:11.445pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.3pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Goodwill</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Business combinations and other acquisitions typically result in the recording of goodwill and other intangible assets. The excess of the purchase price over the fair value assigned to the tangible and identifiable intangible assets, liabilities assumed, and noncontrolling interest in the acquiree is recorded as goodwill.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Goodwill is not amortized but is evaluated for impairment annually as of June&#160;30th or whenever events or changes in circumstances indicate that their carrying amount may not be recoverable. When testing goodwill for impairment, we have the option of first performing a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as the basis to determine if it is necessary to perform a quantitative goodwill impairment test. In performing our qualitative assessment, we consider the extent to which unfavorable events or circumstances identified, such as changes in economic conditions, industry and market conditions or company specific events, could affect the comparison of the reporting unit&#8217;s fair value with its carrying amount. If we conclude that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, we are required to perform a quantitative impairment test.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Quantitative impairment testing for goodwill is based upon the fair value of a reporting unit as compared to its carrying value. We make certain judgments and assumptions in allocating assets and liabilities to determine carrying values for its reporting&#160;units. To determine fair value of the reporting unit, we use the income approach. Under the income approach, fair value is determined using a discounted cash flow method, projecting future cash flows of each reporting unit, as well as a terminal value, and discounting such cash flows at a rate of return that reflects the relative risk of the cash flows. The impairment loss recognized would be the difference between a reporting unit&#8217;s carrying value and fair value in an amount not to exceed the carrying value of the reporting unit&#8217;s goodwill.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Our goodwill evaluation is dependent on a number of factors, both internal and external. There are inherent uncertainties related to the assumptions used in our evaluation and to our application of those assumptions. While we believe we have made reasonable estimates and assumptions to estimate fair value, if actual results are not consistent with our current estimates and assumptions, management changes its estimates and assumptions or there is a deterioration in market factors outside of our control, such as general economic conditions in the countries in which we operate, discount rates, income tax rates, foreign currency exchange rates, or inflation, goodwill impairment charges may be recorded in future periods. The goodwill impairment charges are a non-cash charge and could adversely affect our financial results in the period recognized.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Based on our annual impairment analysis of goodwill as of June&#160;30, 2024, it was determined that the fair value of each reporting unit was in excess of its respective carrying value as of June&#160;30, 2024; therefore, goodwill is considered not impaired. Additionally, we perform sensitivity analyses around discount rate assumptions utilized in order to assess the reasonableness of the rates and the resulting estimated fair values. As of June&#160;30, 2024, a hypothetical 100 basis point increase in discount rates would reduce the aggregate estimated fair value across reporting&#160;units by approximately $28.4 million and would not result in any impairment, as each reporting unit&#8217;s fair value would still exceed its carrying value. As of June&#160;30, 2024, a hypothetical 5% decrease in forecasted collections would reduce the aggregate estimated fair value across reporting&#160;units by approximately $88.5&#160;million and would not result in any impairment, as each reporting unit&#8217;s fair value would still exceed its carrying value.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Based on our annual impairment analysis of goodwill as of June&#160;30, 2023, it was determined that the fair value of each reporting unit was in excess of its respective carrying value as of June&#160;30, 2023; therefore, </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">113</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">goodwill was not considered impaired. Based on the Company&#8217;s sensitivity analyses described above, as of June&#160;30, 2023, a hypothetical 100 basis point increase in discount rates would reduce the aggregate estimated fair value across reporting unit by approximately $22&#160;million and would not result in any impairment, as each reporting unit&#8217;s fair value would still exceed its carrying value. As of June&#160;30, 2023, a hypothetical 5% decrease in forecasted collections would reduce the aggregate estimated fair value across reporting&#160;units by approximately $68&#160;million and would not result in any impairment, as each reporting unit&#8217;s fair value would still exceed its carrying value.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Allowance for Credit Losses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We maintain an allowance for credit losses that represents management&#8217;s current estimate of expected credit losses inherent in our credit card receivables portfolio as of each balance sheet date. The allowance for credit losses was $1.7&#160;million as of March 31, 2025, compared to $2.1&#160;million as of March 31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We have an established process, using analytical tools and management judgment, to determine our allowance for credit losses. Management judgment is required to determine the relevant information and estimation methods used to arrive at our best estimate of lifetime credit losses. Establishing the allowance on a quarterly basis involves evaluating and forecasting several factors, including, but not limited to, both credit and macroeconomic variables.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Key credit factors that drive our analysis include the payment performance of the account holder, who has completed a repayment plan or an insolvency, as well as historical loss and recovery experience, recent trends in delinquencies and charge-offs, account seasoning, changes in our credit evaluation, underwriting and collection management policies, seasonality, current general economic conditions, changes in the legal and regulatory environment and uncertainties in forecasting and modeling techniques used in estimating our allowance for credit losses. Representatives from our finance organization review and assess our allowance methodologies, key assumptions and the appropriateness of the allowance for credit losses on a quarterly basis.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Although we examine our internal payment performance data and take into account certain externally available economic data to determine our allowance for credit losses, our estimation process is subject to risks and uncertainties, including a reliance on historical loss and trend information that may not be representative of current conditions and indicative of future performance as well as economic forecasts that may not align with actual future economic conditions. Accordingly, our actual credit loss experience may not be in line with our expectations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Given the dynamic relationship between macroeconomic variables within our modeling framework, it is difficult to estimate the impact of a change in any one individual variable on the allowance. In a hypothetical sensitivity analysis, we evaluated an adverse scenario increasing the allowance as a&#160;percentage of receivables to illustrate deteriorating economic conditions such as an increase in unemployment rate. A hypothetical increase of 100 basis points applied to receivables as of December&#160;31, 2024 and 2023 would result in a decrease in income before taxes of $0.2&#160;million for both 2024 and 2023. Such hypothetical increase would have a substantially similar decrease as of March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Quantitative and Qualitative Disclosures About Market Risk</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Interest Rate Risk</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We are subject to interest rate risk from borrowings on our Revolving Credit Facility, as well as our interest-bearing deposits. As such, our consolidated financial results are subject to fluctuations due to changes in market interest rates. We assess this interest rate risk by estimating the increase or decrease in interest expense that would occur due to a change in short-term interest rates. The borrowings on our variable rate credit facilities were $524.3&#160;million as of March&#160;31, 2025. Based on our debt structure as of March&#160;31, 2025, assuming a 50 basis point decrease in interest rates, interest expense over the following 12&#160;months would decrease by an estimated $2.6&#160;million. Assuming a 50 basis point increase in interest rates, interest expense over the following 12&#160;months would increase by an estimated $2.6&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Foreign Currency Exchange Risk</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We operate internationally and enter into transactions denominated in various foreign currencies. In 2024 and the three months ended March 31, 2025, we generated $137.7 million and $38.0&#160;million of revenues </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">114</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:95pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">from operations outside the United States and used multiple functional currencies. Weakness in one particular currency might be offset by strength in other currencies over time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Fluctuations in foreign currencies could cause us to incur foreign currency exchange gains and losses and could adversely affect our comprehensive income and stockholders&#8217; equity. Additionally, our reported financial results could change from period to period due solely to fluctuations between currencies. Foreign currency gains and losses are primarily the result of the re-measurement of transactions in other currencies into an entity&#8217;s functional currency. Foreign currency gains and losses are included as a component of other income (expense) in our consolidated statements of operations. A hypothetical 10% change in foreign currency exchange rates applied to net monetary assets and liabilities as of March&#160;31, 2025 denominated in currencies other than their functional currencies would not have had a material impact on our consolidated financial results. From time to time, we may elect to enter into foreign exchange derivative contracts to reduce these variations in our statements of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">When an entity&#8217;s functional currency is different than the reporting currency of its parent, foreign currency translation adjustments may occur. Foreign currency translation adjustments are included as a component of accumulated other comprehensive income in our consolidated balance sheet.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have taken measures to mitigate the impact of foreign currency fluctuations. We have organized our U.K. operations so that portfolio ownership and collections generally occur within the same entity. Additionally, our credit facilities are multi-currency facilities, allowing us to better match funding and portfolio purchases by currency in the United States, United Kingdom and Canada. We actively monitor the value of our finance receivables by currency. In the event adjustments are required to our liability composition by currency we may, from time to time, execute re-balancing foreign exchange contracts to more closely align funding and portfolio purchases by currency.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Concentration Risk</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">A substantial&#160;percentage of our purchases are concentrated with a few large sellers. For the three&#160;months ended March&#160;31, 2025 and 2024, our five largest clients together accounted for 53.4% and 48.7% of our deployments, respectively, with the top client representing 17.0% and 13.1% of purchases for the same periods, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We are subject to risks and uncertainties associated with our client concentration. An inability to maintain our purchasing activity with any of our largest clients as a result of potential competitive pressures, changes in a client&#8217;s debt recovery strategy or other factors could have an adverse impact on our financial performance. Our client concentration has, however, decreased in recent&#160;years as our client base has become more diversified. A key driver of this trend, which we expect to continue in future periods, has been our ability to add new clients across multiple asset classes, including clients who are first time sellers that previously managed collections themselves. In 2023, we added 32 new clients across six asset classes, in 2024, we added 14 new clients and in the three months ended March 31, 2025, we added four new clients across four asset classes. We have added 122 new clients across six asset classes between 2018 and March 31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, we enter into forward flow purchase agreements with our customers on a regular basis, which provides pricing and contractual certainty and mitigates the risk of unforeseen client loss. As of March&#160;31, 2025, we had $263.6&#160;million of total committed forward flows, a decrease of $52.6&#160;million compared to March&#160;31, 2024. This decrease was driven by the usage of longer-term forward flow agreements.</font>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">BUSINESS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Overview</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We are a leading analytically driven purchaser and manager of charged-off and insolvency consumer accounts with operations primarily in the United States, Canada, the United Kingdom and Latin America. The accounts we purchase are primarily the unpaid obligations of individuals owed to credit grantors, which include banks, non-bank consumer lenders, auto finance companies, utilities and telecom companies. Our core competency is the effective management of the collections function in strict compliance with applicable laws and regulations. We enable our clients to focus their operations on the origination of new loans to new customers and to better serve their active customers, while also enabling consumers to resolve their existing obligations based on their current financial circumstances as they improve their financial health. We purchase nonperforming consumer loans and receivables at a discount to their face value across a broad range of financial assets, including where the account holder has initiated a bankruptcy proceeding, or an equivalent proceeding in Canada or the United Kingdom. We manage the loans and receivables by working with the account holders as they repay their obligations and work toward financial recovery.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The following charts present a breakdown of our investment activity by asset class, by business line and by geography for the year ended December&#160;31, 2024:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">For the&#160;years ended December&#160;31, 2024 and 2023 and the three months ended March 31, 2025, we reported net income of $128.9 million, $111.5&#160;million and $64.2&#160;million, respectively, and $242.1 million, $168.2&#160;million and $92.0&#160;million of adjusted EBITDA, respectively. For additional information regarding adjusted EBITDA, a non-GAAP financial measure, see &#8220;Prospectus Summary</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Summary Consolidated Financial and Operating Information</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Key Business Metrics and Non-GAAP Financial Measures&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Adjusted EBITDA.&#8221; The following charts summarize our annual revenue, net operating income, net income and adjusted EBITDA since 2019:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">As of March 31, 2025, we had $2,837.9&#160;million in ERC, up 3.4% compared to December&#160;31, 2024. Over the course of 2025 and 2026, we expect to collect $1,420.1 million, or 50.0% of our total ERC. The following charts present the geographic breakdown of our current ERC as well as the breakdown by year as of March&#160;31, </font><font style="letter-spacing:-0.361pt;">2025:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.028pt;">Note: ERC refers to the undiscounted sum of all future projected collections on our owned finance receivables portfolios. For further information, see the section titled &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics and Non-GAAP Financial Measures</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Key Business Metrics</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">Estimated Remaining Collections.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We believe we have successfully navigated over 22&#160;years of credit cycle fluctuations, changing market dynamics and evolving regulatory framework. During this time, we grew our collections through a combination of organic growth and the integration of several strategic acquisitions that have provided us with long-term consumer payment performance data in what we believe are attractive markets so we can price and analyze new deployments with confidence. A summary of our annual collections by region in the United States, the United Kingdom, Canada and Latin America is presented in the chart below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
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          <font style="letter-spacing:-0.028pt;">Collections exclude forward flow purchases that were resold shortly after the purchase thereof and do not reflect typical collection multiples because there is no cost-to-collect for accounts that are resold. Excludes credit card collections from zero basis accounts associated with our Emblem Brand Credit Card and Fidem Finance, Inc.</font>
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          <font style="letter-spacing:-0.038pt;">During these&#160;years, we have utilized our data to deploy capital at what we believe are attractive returns in the United States and the United Kingdom. The platforms we acquired in Canada and Latin America provided us with 10 to 15&#160;years of data and experience deploying in local markets that have helped us scale in these regions with confidence in our underwriting. Beginning in the fourth quarter of 2022, we started to see one of the strongest deployment environments in our history, driven by the U.S. market. A summary of our deployments by region in the United States, the United Kingdom, Canada and Latin America are presented in the chart below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Markets</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We operate in four geographic markets that also represent our reportable segments: the United States, where we have over 22&#160;years of debt purchase experience and which represents $2,155.2&#160;million, or 75.9%, of our ERC as of March&#160;31, 2025; Canada, where we entered the market in 2020 through the acquisition of Canaccede, which has operated in Canada for over 16&#160;years, and represents $317.8&#160;million, or 11.2%, of our ERC as of March&#160;31, 2025; the United Kingdom, where we have 15&#160;years of operating experience and which represents $146.4&#160;million, or 5.2%, of our ERC as of March&#160;31, 2025; and Latin America, where we entered the market in 2021 and significantly expanded our presence in 2022 through the acquisition of the assets and certain entities of Refinancia, which has operated in Colombia for over 15&#160;years, and represents $218.5&#160;million, or 7.7%, of our ERC as of March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">United States</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The United States is subject to a complex state, federal and local regulatory framework, which results in the most significant degree of oversight among our respective markets. This has the advantage of creating significant barriers to entry for platforms that lack the best-in-class compliance practices we have developed and employed since our founding. It has also resulted in substantial and ongoing industry consolidation since the CFPB was formed in 2011, a trend that has historically supported our strategic and opportunistic merger and acquisition activity. In addition to rigorous governmental oversight, our clients typically seek to protect their brand equity by imposing stringent onboarding requirements, regular compliance auditing and oversight, and choosing to sell only to debt buyers with the strongest track records for compliance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In the United States, we primarily focus on acquiring and servicing accounts in consumer asset classes that are large and growing but also underpenetrated by other debt buyers. Examples include consumer installment loans, telecom receivables, auto finance loans, utilities receivables and small balance credit card receivables. We also opportunistically purchase nonperforming prime-originated large-balance credit card receivables, that certain other major debt purchasers in the United States focus primarily on, when we can deploy capital at attractive returns. Through&#160;years of purchasing and servicing of accounts, we have gathered a substantial amount of proprietary consumer data, which enables us to more precisely value these opaque assets, develop unique collections strategies, and engage in more efficient and effective collections activities. Our advantages from proprietary data, compliance track record and operational capabilities, in each of our target asset classes, limit competition and create attractive pricing dynamics. We employ a disciplined approach to determine how to allocate capital and choose to focus on markets where we believe we obtain high risk-adjusted returns.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We estimate the 2024 annual TAM for the U.S. market to be approximately $167.8 billion based on the cumulative estimated annual face value of charge-offs for the asset classes listed below, which we have estimated annual face value charged-off based on estimated or reported outstanding balances as of December&#160;31, 2024 and assumed loss rate proxies. We estimate that the TAM for the U.S. market was $115.7&#160;billion in 2019, representing a cumulative 2019 to 2024 growth rate of 45.1%.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.25pt;height:21.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:93.2pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2pt 0pt; min-width:129.27pt;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2pt 0pt; min-width:132.84pt;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year Market </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; min-width:82.69pt;" colspan="10">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:93.2pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt; min-width:82.66pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt; min-width:86.23pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt; min-width:82.69pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:93.2pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.583pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:93.2pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; width:356.8pt;text-align:center;" colspan="46">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Auto loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,331.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">39.2</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,655.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">46.0</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">17.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="margin-left:9.5pt;">Non-prime</div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">399.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">33.5</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">429.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">38.2</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">14.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="margin-left:9.5pt;">Prime</div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">931.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.7</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,225.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">7.8</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">31.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">37.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Personal loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">432.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">14.3</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">554.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">24.5</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">28.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">71.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="margin-left:9.5pt;">Non-prime</div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">155.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">11.8</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">188.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">20.3</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">21.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">71.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="margin-left:9.5pt;">Prime</div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">276.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2.5</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">365.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.2</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">32.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">70.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.833pt 0pt 0.5pt 0pt; width:93.2pt;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Telecom and </font>
                <br >
                <font style="letter-spacing:-0.038pt;">utilities</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">37.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">3.6</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">58.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">8.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5.0</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">55.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.833pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">39.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Student loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,508.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8.0</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,615.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">16.9</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">112.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit cards</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(5)</font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">927.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">50.6</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,211.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">75.4</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">30.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">48.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:93.2pt;text-align:left;">
              <div style="margin-left:9.5pt;">Non-prime</div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">188.9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">23.7</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">170.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">26.6</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">(9.6<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.5pt 0pt 1.75pt 0pt; width:93.2pt;text-align:left;">
              <div style="margin-left:9.5pt;">Prime</div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">738.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">3.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">26.9</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">1,040.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">4.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">48.8</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">40.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21pt; text-align:right; white-space:nowrap;">81.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 2.5pt 0pt; width:93.2pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">4,235.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">115.7</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">5,093.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">167.8</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">20.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:10.35pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;padding-bottom:1.75pt; min-width:21pt; text-align:right; white-space:nowrap;">45.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:4.7pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York, Kroll Bond Rating Agency &#8220;U.S. Auto Loan ABS Index.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.39pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5.39pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York, Equifax &#8220;U.S. National Consumer Credit Trends Report: Originations,&#8221; Transunion, Federal Reserve Bank of St. Louis, company filings of personal loan originators.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:5.4pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: The sum or average of the three largest U.S. holders of telecom receivables that publicly report such data. Utilities figures are excluded due to lack of available data.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.49pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:5.49pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York for the aggregate balances, and company filings of three of the largest holders of student loans in the United States for the average loss ratio.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.49pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:5.49pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Federal Reserve Bank of New York, Equifax &#8220;U.S. National Consumer Credit Trends Report: Originations,&#8221; Transunion, Federal Reserve Bank of St. Louis, FFIEC 041 Call Reports of bank originators of credit cards.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We estimate our share of the U.S. market illustrated above to be approximately 4.1% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, an increase from our estimated share of 2.9% in 2019. We believe our share is considerably larger in telecom than other asset classes. Because the U.S. government does not sell its distressed or insolvent student loan accounts, our share of that market is much smaller. Some of the largest credit card originators in the United States also do not sell their receivables today, so our share of that market is also smaller.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:123.82pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:123.82pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:123.82pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="34">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Auto loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.0</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(28.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(1.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Personal loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">5.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.8</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">283.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">6.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Telecom and utilities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">21.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.2</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">55.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Student loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(0.2<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit cards </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">0.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">1.9</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">331.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:15pt; text-align:right; white-space:nowrap;">1.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">3.3</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">2.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">6.9</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">108.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:15pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3.4pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font>
        </div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.49pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:5.5pt;">
          <font style=" position:relative; bottom:2.75pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
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          <font style="font-size:7pt;letter-spacing:-0.028pt;">Excludes performing assets acquired in the Conn&#8217;s Portfolio Purchase with aggregate face value of $567 million.</font>
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          <font style="letter-spacing:-0.038pt;">We have grown organically in the United States with collections growing at a 13.9% compound annual growth rate to $420.3 million in 2024 from $219.6&#160;million in 2019.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Certain other major debt purchasers also operate large domestic call centers, which we believe is a commoditized business that is exposed to inflationary pressures and a fixed cost that requires a consistent level of deployments, regardless of market conditions, to maintain utilization of the call center capacity. We maintain a flexible, variable cost based operating structure that we believe provides a significant competitive advantage as we can change our purchase volume based on market opportunity, allowing us to be opportunistic or disciplined based on market conditions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In 2020, 2021 and early 2022, we experienced strong consumer liquidity, driven by government stimulus and curtailed consumer spending, resulting in record collections and collection outperformance when compared to our original expectations. This also came with a decrease in nonperforming loan supply, resulting in a decline in deployments to $104.2&#160;million in 2020 and $96.8&#160;million in 2021, down from $157.0&#160;million in 2019, driven mainly by a decrease in the charge-off rates credit grantors experienced across asset classes. We have seen substantially stronger purchase volumes in the United States beginning in 2022 with $182.8&#160;million, then $404.3&#160;million in 2023, $552.7 million in 2024 and $119.5&#160;million for the three months ended March 31, 2025. We believe our purchasing starting in 2022 and going through the present have been at higher returns than would have been available in 2020 and 2021 as the dynamics of supply and demand shifted materially in favor of debt purchasers, while we believe several of our competitors have been encumbered by underperforming legacy purchases and other issues.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition to the significant market opportunity in nonperforming consumer finance receivables, there is a much larger opportunity in certain segments of performing consumer finance receivables which include higher risk performing loans and loan portfolios in runoff where we have historically deployed capital at attractive returns. We benefited from being able to provide a one-stop liquidity solution to issuers of consumer credit by purchasing both performing and nonperforming finance receivables originated by them.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In the United States, we market our Emblem Brand credit cards to consumers that participate in our Payment Rewards program, which we introduced and developed in 2013. We offer to both our own distressed consumers as well as distressed consumers of third-party lenders, an opportunity to participate in the Payment Rewards program if they first complete a repayment plan that would resolve their past due debt at a discount to the face value. For any consumers that agree to the offer, we pay the third-party lender a purchase price that represents a substantial discount to the face value of the account and recognize recovery income for the incremental return received through completion of the repayment plan. The Emblem MasterCard features a 19.9% annual percentage rate and much lower fees than comparable credit cards. We report consumer friendly credit bureau data for our Emblem MasterCard customers, an important benefit to the consumer&#8217;s effort to improve their credit profile. The Payment Rewards program is consolidated into the reported ERC and other metrics of our Distressed business line. As of March 31, 2025, we had $7.2&#160;million of U.S. credit card receivables outstanding.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have four offices in the United States: Minneapolis, Minnesota, Sartell, Minnesota, Denver, Colorado and San Antonio, Texas. As of March 31, 2025, we had 730.1 FTE dedicated to our U.S. business, which includes 359.1 FTE in offshore locations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Conn&#8217;s Portfolio Purchase<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>

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            <font style="letter-spacing:-0.038pt;">On October 2, 2024, Jefferson Capital Systems, LLC entered into that certain Asset Purchase Agreement with Conn&#8217;s, Inc. (&#8220;Conn&#8217;s&#8221;), a home goods retailer that sold its goods primarily on credit to a non-prime customer base throughout the Southeastern United States, Conn Appliances, Inc., Conn Credit Corporation, Inc., Conn&#160;Credit I, LP, CARF COL LLC and W.S. Badcock LLC, W.S. Badcock Credit LLC</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> pursuant to which we acquired a substantial portfolio of unsecuritized loans and credit card receivables from Conn&#8217;s (the &#8220;Conn&#8217;s Portfolio Purchase&#8221;). The Conn&#8217;s Portfolio Purchase included (i) a personal installment loan portfolio comprising 199,591 accounts with a nominal face value of $428 million (the &#8220;Conn&#8217;s Installment Loan Portfolio&#8221;), (ii) a revolving loan portfolio comprising 85,582 accounts with a nominal face value of $139 million (the revolving period of which was suspended on June 6, 2024) (the &#8220;Badcock Portfolio&#8221;), and (iii) a non-performing loan portfolio comprising 697,936 accounts with a nominal face value of $1.5 billion (the &#8220;NPL Portfolio&#8221; and, collectively with the Conn&#8217;s Installment Loan Portfolio and Badcock Portfolio, the &#8220;Conn&#8217;s Portfolios&#8221;) after Conn&#8217;s had declared bankruptcy in July 2024. Additionally, one of our wholly owned subsidiaries hired 197 of the former FTEs of Conn&#8217;s on December 4, 2024, the day after the Conn&#8217;s Portfolio Purchase closed, to manage and service the Conn&#8217;s Installment Loan Portfolio and the Badcock Portfolio described above through their remaining life and entered into certain vendor contracts to maintain continuity of account servicing. In </font>
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          <font style="letter-spacing:-0.038pt;">addition, we were assigned a lease in San Antonio, Texas to ensure that we would have our desired facility in place by the closing of the Conn&#8217;s Portfolio Purchase. We acquired certain intellectual property that would allow us to maintain continuity in servicing but that we do not intend to use beyond the scope of running off the acquired portfolio. We anticipate that our servicing requirements for these portfolios will scale down as the performing portfolios run off, as we do not intend to continue any ongoing originations. In addition, we entered into servicing arrangements pursuant to which we agreed to provide ongoing servicing for certain securitized pools of assets, which are also in the runoff. The Conn&#8217;s Portfolio Purchase closed on December 3, 2024. The net cash paid at closing was approximately $245 million. We funded the purchase price by drawing down on our Revolving Credit Facility to acquire approximately $428 million of the Conn&#8217;s Installment Loan Portfolio, $139 million of the Badcock Portfolio and $1.5 billion in face value of the NPL Portfolio, as of the closing date. We attributed approximately $226 million and $12 million of the purchase price to the performing loans (i.e., the Conn&#8217;s Installment Loan Portfolio and the Badcock Portfolio) and the NPL Portfolio, respectively, which represents approximately 40% and less than 1% of the face value of each portfolio, respectively. While there was significant credit deterioration on much of the assets acquired, the primary source and vast majority of the revenue that we expect to generate from the $226 million in purchase price attributed to the $567 million of performing loans (i.e., $428 million plus $139 million) will be from accretion of the discount generated by the purchase price at 40% of the face value of the loans. With respect to the $341 million discount to face value on the performing loans (i.e., $567 million minus $226 million), we booked a credit mark of $251 million and an interest rate mark of $89 million. As of March 31, 2025, our total ERC includes $304.9&#160;million from the Conn&#8217;s Portfolio Purchase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The Conn&#8217;s Portfolio Purchase leverages our core competency in managing distressed performing accounts with significant credit deterioration and nonperforming accounts. While the majority of the performing accounts were not charged-off, they had elevated credit risk partly due to the closure of the retail stores and the bankruptcy of Conn&#8217;s. In recent periods, we have seen more opportunities, such as the Conn&#8217;s Portfolio Purchase, to acquire large mixed portfolios of performing and nonperforming accounts, and we see that as an attractive area of potential growth for our investment activity going forward.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
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          <font style="letter-spacing:-0.038pt;">The charts below summarize the U.S. portfolio performance since our formation. Between 2003 and 2010, we undertook a cautious approach to invest relatively small amounts as we aggregated data and developed and refined our modeling, pricing and collection strategies. Our growing U.S. collections have supported our overall cash flow profile and stable returns, and our cumulative collections have consistently outperformed the original forecast, demonstrating the accuracy of our modeling and our ability to improve performance over time relative to the capabilities we have at the time of initial portfolio purchases.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.028pt;">Note: Vintage data excludes forward flow purchases that were resold shortly after purchase and do not reflect typical collection multiples as there is no cost-to-collect for accounts that were resold. Forward flow purchases that were resold after purchase began in 2005 and ended in 2008.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Canada</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Canadian regulatory framework is more benign relative to the United States, and regulatory actions are typically complaint-based with a focus on resolution rather than enforcement. Unlike the CFPB in the United States, in Canada, there are no federal regulatory entities designed specifically for oversight of consumer finance. The collection industry is instead governed by 10 provincial and three territory regulators that follow similar provincial legislation across the country. Based upon long-standing relationships, we have engaged in proactive dialogue with all relevant Canadian regulators. Similar to the United States, stringent client requirements supplement the regulatory framework in Canada, and we are subject to programmatic client compliance audits. Much more than the United States, the Canadian market is also subject to stringent privacy laws at both the federal and provincial level that seek to protect personal consumer information. Because new industry entrants are unable to acquire granular consumer data under these privacy laws, long-standing industry participants like us enjoy a meaningful competitive advantage in the market.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We entered the Canadian market through the acquisition of Canaccede in March&#160;2020, and we have maintained the Canaccede brand name for our business in Canada. We are the largest purchaser of nonperforming and insolvent consumer receivables in Canada. CBV Collection Services Ltd. (&#8220;CBV&#8221;) and PRA are other active debt buyers in the Canadian national market, and there are a number of smaller market participants, including hedge funds and collection agencies, which purchase portfolios sporadically or operate regionally.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We maintain forward flow agreements with three out of the five largest banks in Canada, and the other two largest banks in Canada do not currently sell their distressed or insolvent accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We estimate the 2024 annual TAM for the Canadian market of approximately $5.1 billion based on the cumulative estimated annual face value of charge-offs the asset classes listed below, which we have estimated based on estimated or reported outstanding balances and the reported balance delinquency rate. We estimate that the TAM for the Canadian market was $3.9 billion in 2019, representing a cumulative 2019 to 2024 growth rate of 29.4%, reflecting modest receivable growth and relatively stable delinquency rates on credit cards due in part to unprecedented government stimulus and support for the consumer that lingered following the COVID-19 pandemic.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:82.66pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:86.23pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:82.68pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:95.09pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Balances </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:95.09pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:352.91pt;text-align:center;" colspan="46">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:95.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Auto loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">62.9</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">72.2</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">14.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:95.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Personal loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">29.6</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">39.0</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">31.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">76.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:95.09pt;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Telecom and </font>
                <br >
                <font style="letter-spacing:-0.038pt;">utilities</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(3)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">4.3</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.4</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9.1</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">6.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">111.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">45.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:95.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit cards</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">62.5</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.6</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">79.1</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">26.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">43.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:95.09pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Insolvencies</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(4)</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.0</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.4</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:20.25pt; text-align:right; white-space:nowrap;">NA</td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">18.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:95.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Canada</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(5)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">159.3</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">3.9</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">199.4</td>
            <td style="padding:0pt;padding-left:1.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">5.1</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:20.25pt; text-align:right; white-space:nowrap;">25.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">29.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3.4pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Note: All figures converted to USD at the exchange rate of $0.69766 per Canadian dollar as of March 20, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Statistics Canada for face value figures; includes non-mortgage loans from chartered banks, excluding unincorporated business; excludes non-mortgage loans from non-banks due to lack of asset type breakdown.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: TransUnion for charge-offs figures; reflects 60+ DPD balance delinquency rate for auto loans and personal loans and 90+ DPD for credit cards for Q4 2019 and Q4 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Telecom figures depict total amount of net customer receivables, 60&#160;days past billing date for Bell Canada, Rogers Communications Inc., and TELUS Corporation; utilities figures excluded due to lack of available data.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Government of Canada, 2019 and 2024 Insolvency Statistics in Canada for number of consumer insolvencies; assumes $C15,000 average nonmortgage liabilities per consumer insolvency in 2019 and adjusted for CPI (Source: Statistics Canada for CPI data) to 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Charge-off ratio for 2019 and 2024 excludes insolvencies.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We estimate our share of the Canadian market illustrated above to be approximately 24.6% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, or $1.3&#160;billion, after not having any market share in 2019, which was before we entered the Canadian market through the acquisition of Canaccede. Because we are the largest purchaser of nonperforming and insolvent consumer receivables in Canada, the most significant opportunity to increase our market share in Canada is by increasing the proportion of credit grantors who sell their nonperforming and insolvent consumer receivables and by purchasing more in asset classes where we are already a market leader in the United States.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:123.82pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:123.82pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:123.82pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="34">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Auto loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">29.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">29.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Personal loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Telecom and utilities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit cards </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">61.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">61.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Insolvencies </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.5</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">18.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">18.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Canada </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:9.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">1.3</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:14.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:16.985pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3.3pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Canaccede historically focused on bank-purchased portfolios, which include credit cards, unsecured personal installment loans and auto deficiencies. Since the acquisition of Canaccede more than four&#160;years ago, we have deployed our analytical framework and proprietary collection strategies to enter the telecom and utilities asset classes and the secured auto asset class. We have significantly broadened Canaccede&#8217;s base of clients to cover four out of the six largest banks in Canada (with the other two major banks currently not selling charged-off accounts), and we have established forward flow agreements with several other major credit originators in Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">124</font>
          <br >
        </div>
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In Canada, we have marketed a credit card to consumers whose accounts we acquired through an insolvency purchase and who have or will soon complete an insolvency. We recognize a willingness to repay and creditworthiness of the consumer due to an established payment pattern and their retirement of other debt, and in this way, we help creditworthy consumers re-establish their access to credit and rebuild their credit profile. As of March 31, 2025, we had $10.6&#160;million of Canadian credit card receivables outstanding. Due to recent legislative changes to the maximum permitted interest rate in Canada for new credit agreements originated on or after January&#160;1, 2025, we expect future new originations to decline. The changes do not impact existing credit agreements entered into before January&#160;1, 2025, and there is no direct impact on our existing credit card customers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have two offices in Canada: Toronto, Ontario and London, Ontario. As of March 31, 2025, we had 101.8 FTE in Canada, which includes 36.5 FTE in Mumbai, India primarily focused on insolvency processing and IT support.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The charts below summarize the Canada portfolio performance since the formation of Canaccede in 2008, including results from prior to our acquisition of the business in 2020. The majority of Canadian purchases have been in insolvencies, which have a lower collection multiple, but also meaningfully lower cost-to-collect relative to distressed portfolios, resulting in a similar net return. In 2016, Canaccede entered into a large insolvency forward flow agreement but deployments have declined since, mainly due to a market-wide decline in distressed and insolvent loans. In 2022 and 2023, volumes started to normalize, and Canaccede has added clients and returned to growth in 2024. Our Canadian portfolios have demonstrated consistently strong performance relative to our original forecast, with insolvency purchases generally having a higher level of predictability of collections and a much lower cost-to-collect relative to distressed purchases.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="position:relative;margin-top:10.5pt; text-align:center; width:456pt;">
          <img src="bc_canatahistorical-4c.jpg" alt="[MISSING IMAGE: bc_canatahistorical-4c.jpg]" height="338" width="549" >
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">United Kingdom</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The United Kingdom has a well-established regulatory framework with the Financial Conduct Authority (the &#8220;FCA&#8221;) as the prudential regulator for the debt recovery sector. The debt purchasing market is characterized by payment plans and substantially longer collection curves relative to the United States. Our purchasing activity in the United Kingdom is focused primarily on utilities and telecom accounts as well as installment loans that are principally used to finance point-of-sale purchases. We believe we are the largest purchaser of nonperforming telecom and utilities receivables in the United Kingdom. We have not historically engaged in the larger bank credit card charge-off market, where competition has made available returns unattractive, but we believe there may be an opportunity to grow into this market as over-levered competitors have been under strain </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">125</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">and have pulled back. In February&#160;2022, we acquired ResolveCall, a provider of field-based reconnection services for lenders, debt buyers, utilities, banks, and governmental entities. ResolveCall was a servicer for us before we acquired it, and we believe its &#8220;last mile&#8221; collections capability is unique in the United Kingdom market and provides a competitive advantage to our purchasing operations. Most major debt buyers operating in the United Kingdom rely on ResolveCall for field-based reconnection services. By owning ResolveCall directly, our purchasing operations can realize cost savings, while other debt buyers in the industry must outsource to ResolveCall. In April&#160;2023, we further expanded our U.K. platform by acquiring Moriarty, a purpose-built consumer litigation platform for debt buyers, utilities and banks. We believe internal legal collections is an important and exclusive collections capability that completes our tool set in the U.K. market. Our platform offers debt purchase through JC International Acquisition, LLC, third-party contingency servicing capabilities through CARS, consumer reconnection through ResolveCall and legal recovery through Moriarty. The majority of our third-party servicing business globally is in the United Kingdom, partly due to the ResolveCall and Moriarty businesses. This full set of capabilities creates a unique proposition for clients who are evaluating different debt recovery strategies and are looking to reduce their vendor footprint.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We estimate the 2024 annual TAM for the U.K. market of $6.8 billion based on the cumulative TAM of the asset classes listed below, which we have estimated based on estimated or reported outstanding balances and&#160;the percentage of write-offs. We estimate that the TAM for the U.K. market was $5.8&#160;billion in 2019, representing a cumulative 2019 to 2024 growth rate of 17.5%.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21pt;height:21pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:100.6pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.75pt 0pt; min-width:122.57pt;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.75pt 0pt; min-width:126.14pt;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year Market </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:100.6pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt; min-width:82.66pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt; min-width:86.23pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2pt 0pt 1.75pt 0pt; min-width:82.68pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:100.6pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:100.6pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:347.39pt;text-align:center;" colspan="46">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.75pt 0pt; width:100.6pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Consumer loans</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">197.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">209.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.7</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">6.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(64.7<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.583pt 0pt 0.5pt 0pt; width:100.6pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Telecom and utilities</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">&#65279;(2)(3)(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.5</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">189.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.25pt 0pt 1.5pt 0pt; width:100.6pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit cards</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">93.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">2.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">2.1</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">93.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">1.6</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:15pt; text-align:right; white-space:nowrap;">(0.6<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:21.75pt; text-align:right; white-space:nowrap;">(27.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 2.25pt 0pt; width:100.6pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total United Kingdom</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">290.8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.415pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">5.8</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">302.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">6.8</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:15pt; text-align:right; white-space:nowrap;">4.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.765pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:21.75pt; text-align:right; white-space:nowrap;">17.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9.25pt;line-height:9.25pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="margin-top:3.7pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Note: All figures converted to USD at the exchange rate of $1.2966 per British pound as of March 20, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:4.8pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Bank of England.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.79pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:4.79pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Ofcom (Telecom) and Ofgem (Utilities).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:4.8pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Telecom figures reflect total consumer debt in arrears for January&#160;2020 and June&#160;2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:4.8pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Utilities figures reflect total electric &amp; gas customer debt in arrears for Q4 2019 and Q4 2024; excludes water due to lack of available data.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">We estimate our share of the U.K. market illustrated above to be approximately 3.9% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, an increase from our estimated share of 2.1% in 2019. We believe we are the market leader in the telecom and utilities market. We currently have a small share of the market for consumer loans or credit cards and believe we have a significant opportunity to grow our purchasing in those markets going forward</font><font style="letter-spacing:-0.361pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21pt;height:21pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:123.82pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.75pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.75pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 1.75pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 Change </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:123.82pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.333pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TAM </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:123.82pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:0pt;text-align:center;" colspan="34">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.75pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Consumer loans</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">9.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">250.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.75pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">8.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 0.75pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Telecom and utilities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">6.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.2</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">86.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">(2.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 0.75pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit cards </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.0</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">0.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">NM</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.75pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">0.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 2.25pt 0pt; width:123.82pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total United Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.1</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.3</td>
            <td style="padding:0pt;padding-left:10.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.275pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">115.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt;padding-bottom:1.75pt; min-width:15pt; text-align:right; white-space:nowrap;">1.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9.25pt;line-height:9.25pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="38">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">126</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We have grown both organically and inorganically, with U.K. collections growing at a 46.2% compound annual growth rate to $39.4 million in 2024 from $5.9&#160;million in 2019.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We have three offices in the United Kingdom:&nbsp;&nbsp;&nbsp;London, Paisley and Basingstoke. As of March&#160;31, 2025, we had 308.8 FTE dedicated to our U.K. business, which includes 31.4 FTE in Mumbai, India.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The charts below summarize the U.K. portfolio performance since our entry in the U.K. market in 2009. Between 2009 and 2018, our purchasing was opportunistic as the competitive environment did not always provide consistent attractive returns. Beginning in 2019, we established our niche in telecom and utilities and point-of-sale installment loans, and we have extended our advantages in these asset classes through our acquisitions of ResolveCall and Moriarty. Our cumulative collections have consistently outperformed the original forecast, demonstrating the accuracy of our modeling and our ability to improve performance over time relative to the capabilities we have on initial forecast.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="position:relative;margin-top:9.5pt; text-align:center; width:456pt;">
          <img src="bc_ukhistorical-4c.jpg" alt="[MISSING IMAGE: bc_ukhistorical-4c.jpg]" height="365" width="596" >
        </div>
        <div style="margin-top:16.41pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Our principal Latin American markets are currently in Colombia, Peru and the Caribbean, where we have investment activity in the Bahamas, Barbados, Belize, the Dominican Republic, Jamaica, the Republic of Trinidad and Tobago and the Turks and Caicos Islands. We use different external servicers in different Latin American markets based on their advantages and competencies in different asset classes. Our strategy in Latin America is similar to our other markets, to own the data and analytics as well as proprietary and employee-differentiating collection strategies and to outsource labor-intensive call-center-based collections.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In December&#160;2022, we acquired the nonperforming loan assets and certain legal entities of Refinancia, a Colombian purchaser and servicer with nonperforming loan purchase data covering approximately $2.0&#160;billion in face value and a track record that extends back over 15&#160;years. We initially established a successful joint venture with Refinancia in which the servicing operations of Refinancia, which we did not acquire, maintained a 10% interest in our purchases in Colombia and serviced the assets we acquired. In 2023, we acquired the remaining 10% interest and subsequently hired certain key employees from Refinancia to enhance our in-house data analytics, client acquisition, legal and regulatory compliance, and portfolio management capabilities in Latin America.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In 2023, we also entered the Caribbean market by acquiring several legal entities with a back book of defaulted unsecured consumer loans serviced by third-party agencies from Pangea. We also entered into a </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">127</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">forward flow agreement that would have us purchase defaulted unsecured consumer loans from an existing client operating across the Caribbean.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Because of the different national footprints, it is difficult to estimate the addressable markets across the whole of the Latin American region. In Colombia, our largest country exposure in Latin America, we estimate the 2024 annual TAM for the Colombian market of approximately $3.4&#160;billion in estimated annual face value charged-off based on estimated or reported outstanding balances and past due loan book in 2024. We estimate that the TAM for the Colombian market was $1.8 billion in 2019, representing a cumulative 2019 to 2024 growth rate of 88.1%.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:91pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:121.34pt;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year Market </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; min-width:124.9pt;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year Market </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.195pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.195pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:11.34pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
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            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:91pt;text-align:left;">&#8203;</td>
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            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:84.95pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
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              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated Annual </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; min-width:87.97pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019&#8201;&#8211;&#8201;2024 % Change </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:91pt;text-align:left;">&#8203;</td>
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            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
              </div>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Off Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.14pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Charge-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Offs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:91pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:354.77pt;text-align:center;" colspan="46">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 4pt 0pt; width:91pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total Colombia</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">37.7</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">4.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.8</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">48.5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">6.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.2pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:12.75pt; text-align:right; white-space:nowrap;">3.4</td>
            <td style="padding:0pt;padding-left:12.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.195pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">28.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.195pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt; width:5.14pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.34pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">88.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:11.34pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="50">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3.11pt; width:456pt; line-height:8pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Note: All figures converted to USD at the exchange rate of $0.00024 per Colombian peso as of March 20, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.89pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:4.89pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Source: Superintendencia Financiera de Colombia.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:4.9pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Face value reflects total consumer debt balance (excluding mortgages) and charge-off ratio reflects past due loan book at December&#160;2019 and December&#160;2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We estimate our share of the Colombian market illustrated above to be approximately 24.5% in aggregate based on the total face value of distressed or insolvent accounts we purchased in 2024, or $0.8&#160;billion, after not having any market share in 2019, which was before we entered the Colombian market. We believe we are now the market leader in the Colombian market. In Colombia, most major credit grantors sell their non-performing accounts. We believe we have a significant opportunity to grow in Latin America by entering and developing the market for purchasing auto loans, telecom receivables or other asset classes, and by entering new Latin American markets going forwards.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019 Full Year </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 Full Year </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2019-2024 Change </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Face Value </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of TAM </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">% Face Value </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchased </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Share of </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">TAM </font>
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                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in billions) </font>
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                <font style="letter-spacing:-0.038pt;">Total Colombia </font>
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            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
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            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;">%</font></td>
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            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:12.75pt; text-align:right; white-space:nowrap;">0.8</td>
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            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.5<font style="position:absolute;">%</font></td>
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            <td style="padding:2.75pt 0pt 0.5pt 0pt;border-bottom:3pt double #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">NM</td>
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            <td style="padding:2.75pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.5<font style="position:absolute;">%</font></td>
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          <font style="letter-spacing:-0.266pt;">&#8220;NM&#8221;&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">not meaningful</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">While Latin America is our newest geographic market, we have grown this geographic market rapidly, with Latin America collections growing to $39.0 million in 2024 from $0.8&#160;million in 2021, the year we entered the market.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In Latin America, AI is used to improve efficiency in the management of assigned portfolios and to optimize decision making. Predictive prioritization models are used to estimate the expected value of accounts, which allows resources to be optimized and improves operational efficiency. In addition, algorithms are developed to analyze the historical behavior of accounts to recommend the best next action or offer in real time. These activities can result in increased recovery rates on accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The regulatory environment in Latin America is less restrictive with respect to the use of certain new technologies than the regulatory environments in other markets where we operate. We believe that the less restrictive environment in Latin America allows for the development and testing of new collection capabilities, before considering introducing them in other markets. In the United States, for instance, a highly-regulated environment makes it challenging to utilize new technologies such as AI in certain ways due to the potential for consumer inconvenience and disparate impact in the results emanating from AI decision making until the compliance of these technologies is proven.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">128</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">We have one office in Latin America, in Bogot&#225;, Colombia, and run most of our Latin American purchasing and collections through that office. As of March 31, 2025, we had seven FTE in that office that oversee purchasing operations, analytics and management of local third-party servicers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Historical Performance<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
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          <font style="letter-spacing:-0.038pt;">The charts below summarize the Latin American portfolio performance since our data begins on Refinancia in 2014, including results from prior to our acquisition of its nonperforming loan assets and certain legal entities in 2022 and 2023. We underwrite purchases in Latin America to higher returns than we do in other geographies to compensate for what we believe is a higher level of risk. However, we believe our platform in Latin America has achieved consistently strong performance. In 2021, the Colombian government provided consumers an incentive to payoff old debts, which brought forward some collections in 2022 as the incentives were effective if the payments were completed before the end of October&#160;2022. In 2023, we purchased large portfolios in Peru and Pangea, which contributed to the significant growth in deployments and expected collections in 2023. In 2023, we also added many new clients in the Colombian market as we continue to build out our purchasing operation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <img src="bc_latinamericahistori-4c.jpg" alt="[MISSING IMAGE: bc_latinamericahistori-4c.jpg]" height="358" width="585" >
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          <font style="letter-spacing:0.5pt;">Our Role Within the Market</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our debt purchasing activity plays an important role in the financial ecosystem, providing credit originators with liquidity through the sale of nonperforming consumer receivables. Many of these lenders are focused on originating credit and do not have the capabilities to effectively service underperforming assets. As such, they choose to rely on debt purchasers who possess the compliance track record, internal resources and operational expertise needed to successfully manage consumers throughout the collections process. The recovery of delinquent consumer debts that debt purchasing enables mitigates the impact that consumer credit costs would have on borrowing costs. Debt purchasing allows credit originators to focus on originating new credit and doing so based on more predictable credit costs and operationally manageable collection processes, a vital part of a healthy functioning financial ecosystem and supporting the fair access to credit for consumers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We customize our strategy of acquiring receivables for each geography and asset class, including those asset classes that have traditionally been underserved by major debt purchasers. While the debt purchasing sector has historically focused on prime-originated large-balance credit card receivables, a unique element of our strategy has been our full spectrum approach across asset classes. For instance, in auto loans, we pursue opportunities in secured auto loans, unsecured deficiency balances and insolvencies, positioning ourselves as a partner and full spectrum solution provider rather than just a bidder on discrete pools of assets. Whereas </font>
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          <font style="letter-spacing:-0.342pt;">129</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
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          <font style="letter-spacing:-0.038pt;">Canaccede had never historically purchased outside of credit card receivables prior to our acquisition of the business in 2020, we now have three significant auto loan clients in Canada that we have purchased from in 2024 and 2025. We also have capabilities in smaller balance receivables, including smaller consumer installment loans, &#8220;buy now, pay later&#8221; loans, telecom and utilities receivables, and small balance credit card debt. Certain parts of the installment loan asset class we have focused on, such as &#8220;buy now, pay later,&#8221; other point of sale financings and fintech originated installment loans have grown more quickly than other asset classes. Whether competing directly with other debt purchasers or targeting niche, underserved asset classes, our investment thesis remains centered on unwavering discipline in adhering to our return thresholds. Our significant customer database amassed over 20&#160;years, advanced machine learning and analytics capabilities enable us to model returns with a high degree of predictability, allowing us to price portfolios accurately and maintain a consistent, disciplined acquisition strategy. Our advantage in cost-to-collect has also allowed us to earn higher returns at the same pricing as other debt buyers with a higher cost-to-collect. We believe we provide significant value to our clients by helping them solve a diverse array of asset classes and geographies through a single counterparty.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Strengths</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We believe that the following strengths have been essential to our success to date and will continue to be important in the future.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Strategic focus and leadership position in asset classes with large underlying markets and low penetration</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We focus on consumer asset classes that are large and growing but underpenetrated by other large debt buyers. We have unique operational capabilities in each of our target asset classes and a substantial data advantage obtained through over 22&#160;years of operational history, which provide a competitive advantage and create attractive pricing dynamics. Today, based on our experience, industry knowledge and analysis of publicly available reports, we believe we are the market leader in several asset classes in the United States, Canada and the United Kingdom including:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <font style="letter-spacing:-0.038pt;">the largest purchaser of nonperforming telecom receivables in the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the largest or second largest purchaser of both nonperforming and insolvent auto finance receivables in the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the largest or second largest purchaser of insolvent consumer receivables in the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the largest purchaser of both nonperforming and insolvent consumer receivables in Canada; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the largest purchaser of nonperforming telecom and utilities receivables in the United Kingdom.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">There are important differences between successfully collecting a small balance nonperforming account, such as a telecom bill or a small balance credit card, and a prime-originated large-balance credit card. We believe our expertise in collecting these accounts effectively and compliantly, coupled with our low cost-to-collect, create significant barriers to entry and enhance our performance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We also have the full set of capabilities to participate in transactions in more competitive markets such as prime large-balance credit card charge-offs, but we employ a disciplined investment approach driven by return targets to determine where to allocate capital, and we choose to focus on markets where we believe we can obtain higher risk-adjusted returns.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Superior analytics supported by proprietary &#8220;through-the-cycle&#8221; data</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Since our inception over 22&#160;years ago and through March 31, 2025, we have invested nearly $3.4&#160;billion in portfolios with an original face value of approximately $79.2&#160;billion, representing approximately 43&#160;&#160;million unique consumers. We believe our significant data repository is very valuable since credit bureau data has lower predictive power for payment performance of consumers with nonperforming accounts. Our advanced pricing models stratify accounts based on hundreds of variables examined for predictive value, determine optimal collection strategy and accurately forecast liquidation rates and cost-to-collect expenses. The value of our data repository and analytics is demonstrated by our actual collections experience, which has a low standard deviation from our forecasts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Long-standing relationships and contracted deployments with diverse and granular set of clients</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have forged both long-term and granular partnerships with our clients, including leading telecom and utilities providers and major auto finance originators. From January 1, 2022 through March 31, 2025, of our </font>
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          <font style="letter-spacing:-0.038pt;">top 10 and 20 counterparties, five and 11 have been clients for five or more years, respectively, excluding the Conn&#8217;s Portfolio Purchase. In 2024 and in the three months ended March 31, 2025, we made 731 and 219&#160;discrete purchases, respectively, averaging 61 and 73 transactions per month, respectively, with an average purchase size of $0.7 million and $0.8&#160;million, excluding the Conn&#8217;s Portfolio Purchase, respectively. We position our platform to clients as a comprehensive solution provider as opposed to a transaction counterparty, and we emphasize our industry-leading compliance and regulatory practices. The strength of our relationships allows us to enter into forward flow agreements for as long as three&#160;years that we regularly renew, which lock in future deployments from existing clients and provide contractual and pricing certainty. As of March&#160;31, 2025, we had $263.6&#160;million of committed purchases through forward flow agreements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Track record of consistent, stable profitability</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have a long and consistent track record of operational execution and disciplined growth that spans our over 22-year history. We have successfully navigated a variety of market conditions and credit cycles and have continued to grow our collections through the combination of organic growth and the successful integrations of several strategic acquisitions. We have demonstrated the ability to generate reliable collections in both a strong economic climate as well as periods of economic stress. We have been profitable every year since inception. For the year ended December&#160;31, 2024, we had net income of $128.9&#160;million, compared to $111.5&#160;million for the year ended December&#160;31, 2023 and $87.6&#160;million for the year ended December&#160;31, 2022. For the three months ended March 31, 2025, we had net income of $64.2&#160;million, compared to $32.9&#160;million for the three months ended March 31, 2024. In addition, we had adjusted EBITDA of $242.1&#160;million for the year ended December&#160;31, 2024, compared to $168.2&#160;million for the year ended December&#160;31, 2023 and $129.5&#160;million for the year ended December&#160;31, 2022. We had adjusted EBITDA of $92.0&#160;million for the three months ended March 31, 2025, compared to $53.9&#160;million for the three months ended March 31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Best-in-class operating efficiency</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have a long history of operational innovation, and our platform has been able to produce improving efficiency in collections despite our smaller overall scale and the fact that the average account balance in our portfolios is smaller than some of our key peers. Our cash efficiency ratio, which was 68.7% for the year ended December 31, 2024, as compared to ratios ranging from 54.2% to 58.9% for our two primary competitors. Our cash efficiency ratio was also higher than the cash efficiency ratios of our key competitors in each of the last five&#160;years. We believe our superior operating efficiency allows us to earn a higher level of profit than our competitors on equivalent purchases and allows us to continue to scale with increased profitability. A number of factors drive our platform&#8217;s efficiency outperformance, including our proprietary platform, our primarily outsourced variable expense structure and our co-sourced operation in Mumbai, India, which we believe helps produce a significant cost-to-collect advantage relative to competitors that maintain fixed cost U.S. based collection operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Competitive advantages from variable cost business model with proprietary collection capabilities</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our model is to outsource the aspects of the collections value chain that we view as commoditized or operationally intensive and do not produce a competitive advantage, such as running a large domestic call center. We instead seek to own the high value-add aspects of the purchasing and collection process, including performance data, extensive data analytical capabilities, technological capabilities and the collection&#160;processes and techniques that we believe create significant barriers to entry and competitive advantages. We believe competitors that maintain large domestic call centers are disadvantaged because they bear a significant fixed cost base and are not able to scale up and scale down deployments based on the market environment. By contrast, we have a variable cost structure. We scaled down deployments during 2020 and 2021 when the deployment market was weaker due to government stimulus packages, and we are scaling up significantly in recent&#160;years as the market opportunity has become significantly more favorable to us. In addition to our Mumbai collection center, we outsource other collections we believe to be commoditized to different agencies based on their particular competencies using our proprietary ValuTiers segmentation process to optimize our collections and reduce our cost-to-collect. These unique collection capabilities, paired with our proprietary technologies and business processes that help us analyze consumer information, sustain our efficiency advantage.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Conservative leverage and consistent cash flow provide strong debt servicing capabilities</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We reported net income of $128.9 million and $64.2&#160;million for the year ended December 31, 2024 and the three months ended March 31, 2025, respectively. Our adjusted cash EBITDA was $430.8 million and </font>
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          <font style="letter-spacing:-0.342pt;">131</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">$210.6&#160;million for the year ended December 31, 2024 and the three months ended March 31, 2025, respectively, and our leverage based on the ratio of our net debt to adjusted cash EBITDA was 2.17x as of March 31, 2025. Leverage at the end of 2024 increased temporarily as a result of the Conn&#8217;s Portfolio Purchase, which closed on December 3, 2024. For additional information regarding adjusted cash EBITDA, a non-GAAP financial measure, and our leverage, see &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8201;&#8212;&#8201;Liquidity and Capital Resources.&#8221; We have historically had, and continue to maintain, lower leverage than our peers. We view our low level of leverage to be a competitive advantage because it allows us to maintain the flexibility to expand deployments as market opportunities arise. Since we were founded, we have operated with conservative financial policies while delivering strong results. We have increased our leverage in the current market, as we believe the opportunities to deploy attractively have risen meaningfully over the year ended December 31, 2024. Despite our investments in growth, we continue to maintain lower leverage than our two primary competitors, whose reported leverage as of December 31, 2024 ranged from 2.6x to 2.9x.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Comprehensive focus on compliance and risk management centered around the consumer</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Since our founding, we have emphasized a culture of compliance premised on treating consumers fairly and helping them achieve their financial goals. We believe our compliance investments and capabilities as well as our collaborative approach with both consumers and regulators positions us well as regulators continue to promote high standards for our industry. We aim to provide consumers sensible solutions and assist them as they return to financial health. This unrelenting focus on doing the right thing and treating consumers with compassion and respect is at the heart of our exemplary compliance track record, which we believe is an important differentiator when compared to other industry participants. Credit originators across our markets are highly sensitive to regulatory compliance issues and the care of their customers, and our reputation as a &#8220;safe pair of hands&#8221; allows us to win transactions in certain situations even if we do not offer the highest purchase price for their accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Experienced, operationally focused management team</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have a highly qualified senior management team with a strong track record of executing effective, compliant and innovative collection strategies. Our Chief Executive Officer, David Burton, with over 30&#160;years of experience in the debt recovery industry, founded Jefferson Capital in 2002 and has been integral to our strategy, operations and success. Our team has experience across economic cycles and understands how to navigate changing market conditions. Throughout the organization, we have a culture of performance that is based upon decades of industry experience among the senior management team.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Growth Strategy</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our revenue and net income have grown at a 24.7% and 42.0% compound annual growth rate from the year ended December&#160;31, 2019 to the year ended December 31, 2024, respectively. We have grown both our revenue and our net operating income every year since 2013. We have managed to produce consistent historical growth despite changing deployment environments in many of our core markets by expanding our geographies, including the acquisition of Canaccede in Canada and by acquiring the assets and certain entities of Refinancia in Colombia. At the same time, we have also produced significant organic growth in our deployment volumes, particularly in our core U.S. market.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We believe there are organic and inorganic opportunities for growing our ERC, revenues and net income from both new and existing clients. We estimate that the TAM in our asset classes in the United States was approximately $167.8&#160;billion in 2024, relative to our purchased face value of $6.9&#160;billion or 4.1% of our TAM. We estimate that our TAM in Canada, the United Kingdom and Colombia was an additional $5.1&#160;billion, $6.8&#160;billion and $3.4&#160;billion, respectively, and our purchased face value in these markets was 24.6%, 3.9% and 24.5% of our TAM in 2024. See &#8220;&#160;&#8212; Our Markets&#8221; for further information on the calculation of our </font><font style="letter-spacing:-0.361pt;">TAM.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We may be required to seek additional capital in order to fund our multifaceted growth strategy. For example, we may make additional borrowings under the Revolving Credit Facility, enter into other credit or financing agreements or sell additional securities. If we decide to fund our growth strategy with equity securities, our stockholders may experience significant dilution.</font>
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          <font style="letter-spacing:-0.342pt;">132</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">We believe the below factors position us well to increase our ERC, revenues and net income and enhance our position as a market leader in our core asset classes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Rising nonperforming loans market-wide</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">According to the Federal Reserve Bank of St. Louis, the 30+ delinquency rate on consumer loans at U.S. commercial banks has risen sequentially since the third quarter of 2021 and as of December 31, 2024, stood at 2.75%, the highest level since the third quarter of 2012. Similarly, charge-offs on U.S. consumer loans at commercial banks have followed delinquencies higher and as of December 31, 2024, stood at 2.98%, the highest level since the third quarter of 2011 based on the same data. The trend towards higher levels of delinquency has come despite consistently low levels of unemployment, which stood at 4.2% at March&#160;31, 2025, up modestly from 3.7% at December&#160;31, 2023 and 4.1% at December&#160;31, 2024 according to the Bureau of Labor Statistics. On September&#160;30, 2024, the &#8220;on-ramp&#8221; for student loan repayments ended and missed payments on the $1.5 trillion of federal government student loans started to be reported to credit bureaus and sent to collections for the first time in four and a half&#160;years, further straining finances for consumers who may also have other loan obligations. Given the trend towards a rising proportion of loans in early stage delinquency, we believe more loans will continue to ultimately roll to charge-off, and this will increase the number of charged-off loans that our clients will look to sell. We believe the opportunity to grow our deployments and ERC has been rising. At the same time, as the amount of nonperforming loans for sale rises, we believe pricing has typically declined and returns have risen, and recent deployments have been underwritten at higher risk-adjusted returns than our older vintages. We believe we have ample financial capacity to take advantage of this potential market opportunity.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Drive deployment growth through operating efficiencies of our proprietary digital technologies</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have developed an innovative and proprietary digital collections platform that automates standardized administrative or repetitive tasks while providing consumers with direct and immediate communication in a personal and non-intrusive manner that offers a more convenient payment method. The platform also reduces our reliance on traditional communication methods such as mail and direct calls, which further lowers our cost-to-collect and increases our net income. Our digital collections environment exemplifies our consumer-centric approach to client service by reaching consumers who prefer to interact with us online or digitally. This technology infrastructure also allows us to more precisely identify customer behavioral patterns. These insights enable us to digest new predictive data and adapt to changing macro-economic circumstances to more quickly refine our predictive models for new purchase pricing, fine-tune our deployment and pricing strategies or to change our collection strategies. Our technology infrastructure enables us to implement changes across our organization in an expedited fashion. We believe these factors contribute to our ability to produce higher returns than our publicly traded competitors and grow our market share, including our market share in asset classes where our peers focus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Add new clients in our core markets in the United States and Canada</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our business development team has successfully grown our deployments for many&#160;years by adding new clients, retaining our core clients and increasing the range of asset classes that clients generally sell to us. In 2023, we added 32 new clients, in 2024, we added 14 new clients and in the three months ended March&#160;31, 2025, we added four new clients. During this time, we also saw substantial increases in volumes from many existing clients. Some of our new clients are first time sellers that previously retained and collected their own charged-off accounts. These relationships typically begin with us making smaller purchases; however, as our clients become more familiar with our capabilities, compliance, and professionalism, there is greater potential for substantially higher purchase volume. In other instances, we gain new clients that previously sold their accounts to peer debt buyers. We increasingly find that our efficiency and our demonstrated lower cost-to-collect allows us to be competitive with larger debt buyers in the large-balance credit card market in which they focus while maintaining our target return requirements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Leverage our data and collection capabilities across a variety of asset class focus in Canada, the United Kingdom and Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Unlike some of our peers, we pursue nonperforming loan purchase opportunities across a wide variety of asset classes beyond credit cards and in both insolvency and distressed receivables. We believe we have for a long time been a leader in the United States in several of those asset classes. When we acquired Canaccede in 2020, Canaccede&#8217;s business was mainly comprised of purchasing credit cards and personal loans. Based in part </font>
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          <font style="letter-spacing:-0.038pt;">upon our experience in the United States, we have now expanded our Canadian business into purchasing, among other things, secured auto loans, telecom receivables and utility receivables. In 2019, we similarly started to focus heavily on telecom and utilities purchases in the United Kingdom and are now a market leader in the United Kingdom. Based upon our leadership in the Canadian and U.S. insolvency markets, we decided to launch insolvency purchasing in the United Kingdom in 2023. In the Caribbean, we began purchasing credit cards and personal loans in 2023, and we are expanding our purchasing to include secured loans as well. We believe our experience and success in purchasing certain asset classes in the United States will allow us to grow our market share in similar asset classes in other geographies.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:0.475pt;">Expand performing loan purchasing in the United States</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We have historically entered new asset classes opportunistically where we believe returns will be attractive, the underlying market is large, and we are able to develop a competitive moat through better data and collection strategies. We believe performing consumer loans with credit deterioration, a high degree of credit risk or that require significant focus on servicing offer such an opportunity and one for which our skill set is particularly well-suited. During 2022 and 2023, we selectively purchased pools of performing loans where there was significant credit deterioration or related risk, because our experience in handling more seriously delinquent nonperforming loans provided the skills and strategies to successfully acquire and service performing loans with</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">significant credit deterioration. The Conn&#8217;s Portfolio Purchase in 2024 reflected a significant expansion of this strategy. Because the cash flows emanating from performing loans are much greater than they are for non-performing loans on a relative basis, and the cost of collecting these assets is expected to be substantially less, the market size for performing loans can represent a significant expansion from the non-performing loan market. We believe that there will be the opportunity to purchase other portfolios that contain a mix of performing and non-performing loans and having the capability to evaluate and purchase and service both together, and an ability to manage performing loans that become non-performing where there is an elevated credit risk, will be a competitive advantage.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Organically enter new adjacent geographic markets in Latin America</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">We entered the Colombian market in 2021 through a purchase alongside Refinancia, as a partner, from a significant global bank that was also our client in a separate geography. We scaled our presence in Colombia by acquiring the assets and certain entities of Refinancia in 2022 and 2023, which expanded our purchasing and client relationships in the Colombian market. In 2023, we began purchasing in Peru and the Caribbean. Existing clients have expressed interest in selling portfolios to us in the following markets: Mexico, Chile, Panama and Costa Rica. We believe this interest is indicative of the attractiveness of our platform as compared to local competitors, such as cost of funds, financial capacity and operational compliance disciplines. Given increased interest in our platform in Latin America, we believe we could create a more substantive Pan-Latin American platform over time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Acquire a European platform at an attractive entry price</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Because of the financial distress that a handful of major European platforms are undergoing due to overleverage and years of poor performance, there has been a level of dislocation in European capital markets for non-performing loan purchasers, which may create an opportunity to acquire a stronger platform that has been impacted by the dislocation. Based on publicly disclosed financial reports, two of the largest platforms are reported to have become increasingly unprofitable and are in the midst of publicly announced debt restructurings, which has resulted in much higher bond yields across the European market. While we do not have any binding agreements or commitments to do so, we believe there could be a possibility in the future to acquire the assets of such a European platform at an attractive entry price, which would allow us to expand our business further into continental Europe.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Enter the high street bank market in the United Kingdom</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We may have the opportunity to purchase from the British high street banks because other competitors that have experienced financial distress have pulled back in this market. We believe our competitors&#8217; exits have created more favorable pricing in the market and allow for higher returns than have been available historically. Should the competitive market change to the extent that returns meet our requirements, we could access the much larger U.K. bank market, allowing us to expand beyond the telecom and utilities and installment loans markets in which we currently participate.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Clients</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We purchase portfolios of nonperforming loans through either single portfolio purchases, referred to as spot sales, or through the pre-arranged agreement to purchase multiple portfolios at regular intervals, referred to as forward flow sales. Under a forward flow contract, we agree to purchase statistically similar nonperforming loan portfolios from credit grantors on a periodic basis at a pre-negotiated price over a specified time period, generally from six&#160;months to as long as three&#160;years for some of our clients. We regularly renew our forward flow contracts with our long-time clients. As of March 31, 2025, we had $263.6&#160;million of total committed forward flows.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We benefit from a long-term client base with whom we have forward flow agreements in place that regularly renew. We seek to form strategic relationships with clients and engage in regular dialogue with their senior executives in order to identify additional opportunities to enhance their goals. We continuously improve our cost-to-collect and build a &#8220;moat&#8221; around the client relationship that we believe would be very difficult for any new entrant to replicate. As of March 31, 2025, we have had a relationship of over five years with five of our top 10 clients, excluding Conn&#8217;s.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We also manage an active pipeline of new clients and utilize extensive marketing efforts to realize new purchasing opportunities. Over the last six&#160;years, we have experienced significant growth in our purchases in terms of both dollar amount and the number of sellers, adding over 120 new clients between 2018 and March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">As we pursue nonperforming loan purchase opportunities across a wide variety of asset classes and pursue relationships with originators of all sizes, we believe our purchasing and client relationships are less concentrated than those of our key competitors, who tend to focus on fewer asset classes and primarily on large purchases. For the period beginning January 1, 2022 and ending March 31, 2025, excluding the Conn&#8217;s Portfolio Purchase, our top five counterparties accounted for 33.8% of purchases with the top counterparty accounting for 8.8% of total purchase volume for that period. In 2024 and in the three months ended March 31, 2025, we made 731 and 219 discrete purchases, respectively, averaging 61 and 73 transactions per month, respectively, with an average purchase size of $0.7&#160;million and $0.8&#160;million, excluding the Conn&#8217;s Portfolio Purchase, respectively. Our senior officers and sales personnel regularly contact known and prospective sellers of nonperforming loans, including major banks, credit unions, fintech lenders, auto finance companies, retailers, telecom providers, utilities and other consumer lenders. We have forged long-term partnerships with major financial institutions, major telecom companies and many smaller niche originators. In the year ended December 31, 2024 and the three months ended March&#160;31, 2025, we added 14 and four new clients, respectively, in addition to seeing substantial increases in volumes from many existing clients. In addition to our forward flows with long-time clients where we derive the vast majority of our purchases, we also actively participate in bidding for new purchases of nonperforming loan portfolios through auctions and negotiated sales. In an auction process, the seller assembles a portfolio of nonperforming loans and seeks purchase prices from specifically invited potential purchasers. In a privately negotiated sale process, the seller typically contacts one purchaser directly, receives a bid, and negotiates the terms of sale. In both cases invited purchasers will typically be pre-qualified, having already successfully completed a due diligence examination that includes a review of the purchaser&#8217;s industry experience, financial standing, operating procedures, business practices, compliance practices, and oversight.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We market our platform to our clients as a comprehensive solution provider as opposed to a transaction counterparty and seek to establish long-term partnerships. Unlike most other purchasers of nonperforming loans, we purchase secured and unsecured asset classes, for both distressed and insolvency and across the credit spectrum. We believe creditors prefer to work with us as they do not have to engage multiple vendors, which requires lengthy and complicated onboarding and may increase cost and risk. We believe our ability to offer more comprehensive solutions leads to longer-lasting relationships with our clients.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Operations</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our operational strategy is to create differentiated capabilities that provide a competitive advantage while outsourcing the activities that we believe are commoditized and operationally intensive. These capabilities include the data and analytical capabilities, master servicing capabilities, technology and digital collection capabilities, and legal collections as well as other unique or differentiated collection capabilities for a given market.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We utilize external servicing resources, including both collection agencies and external law firms, more than some of the other major nonperforming loan purchasers because of the operational flexibility and the competitive performance dynamics they provide. By having less overhead and a higher proportion of variable costs, we believe we are more disciplined on pricing than our peers and are able to refrain from purchasing at returns below our thresholds. We believe our peers may feel more pressure to purchase at lower returns in order to support a larger fixed cost base comprised of much larger internal call center and internal legal channel operations. Because our operating model is flexible and scalable based on variable operating expenses, we can scale upward and downward as needed depending on supply conditions in the deployment market. Managing external servicers and resources is a core competency. We employ a rigorous onboarding process, with an emphasis on compliance and risk management through CMS, we have active oversight of the operations and performance, and we can and do shift our placements if we find performance is lagging or because an external vendor, like a law firm or agency, will not be able to meet our stringent compliance standards.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We organize our business and reportable segments based on geography, with different leaders overseeing their respective markets in recognition of regulatory, market and cultural differences. Our U.S. data and analytics are performed through our Sartell, Minnesota office, and we maintain an investment committee chaired by our Chief Executive Officer, David Burton. Pricing and analytics for purchases in the United Kingdom are also done from Sartell, Minnesota, but the client relationships are maintained locally and servicing operations are overseen by our U.K. leadership. Our analytics and modeling for Latin America is largely managed by our Bogot&#225;</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">office but with support from both our Toronto and Minneapolis offices, including client relationship management for global clients that operate in Latin America, in addition to legal, compliance and vendor management oversight. Our Canadian operations perform their own data and analytics out of Toronto, but we leverage our own expertise in different asset classes in the United States to broaden and sharpen the modeling and purchasing capabilities of our Canadian operations. Individual heads of each of our geographic locations produce pricing and return recommendations for individual purchases under evaluation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Bidding Process, Analytics and Vendor Management</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We maintain a business development team and pipeline across all of our geographic locations that manage relationships with hundreds of credit originators as well as loan brokers that sometimes manage auctions on behalf of a seller. We model and underwrite every purchase based on an internal rate of return net of collection expenses on an unlevered basis. We also evaluate our levered returns and the multiples of invested capital with and without collection expenses in underwriting a purchase. We forecast different liquidation scenarios including recession scenarios in determining whether a given purchase can cover our cost of capital even in extreme circumstances. We segment a portfolio based on accounts with similar attributes and forecast the liquidation of each segment. We build proprietary predictive models that weigh hundreds of variables, which are regularly updated and adjusted for predictive value and iterate continuously for changes in the macro environment, borrower behavior, local law and our collection strategies or capabilities. We iterate our pricing models continuously based on real time collection performance to respond as quickly as possible to changes in the market or consumer behavior and refine pricing and analytics for new portfolio bidding. We have regularly outperformed our underwriting forecasts in the aggregate over a long period of time and through multiple economic cycles.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our pricing models are proprietary. We employ different models to evaluate different accounts or risks, using various modeling techniques, including a linear logistical regression model, a surrogate model that extrapolates based on very recent performance of similar accounts we already own and a backcast technique. For insolvency accounts in particular, we also use a neural network model that is iteratively trained using back-propagation of errors machine learning and a bankruptcy dismissal model that predicts the risk and timing of a bankruptcy dismissal based on the confirmation status and other account attributes. Some of the key correlative attributes incorporated in our models include average account balance, months on books, payment history, months since charge-off, collateral value for secured claims, payment plan&#160;percentage and who the bankruptcy trustee is if an insolvency claim.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Based on our modeling analytics, we also determine the optimal collection strategy at the time of acquisition for every account. The type of collection strategy can heavily impact our returns analysis and our pricing for a given portfolio due to differences in collections costs, the timing of collections, the quantum of collections ultimately realized and any incremental outlays such as for legal costs. Based on our forecast of collections net of expenses, incorporating the timing and cost of the chosen collection process, we calculate an unlevered </font>
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          <font style="letter-spacing:-0.038pt;">internal rate of return that we sensitize based on different macro-economic stresses to determine pricing on a risk-adjusted basis for a given pool of assets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">At the time of each purchase, based on our analytics of the optimal collection channel for each given receivable cohort, we have identified how we will allocate each account among the collection channels, and we onboard the accounts and place them with internal recovery operations, external collection agencies, our internal legal channel, or external law firms, or in the event we must repossess a secured asset, external collateral recovery vendors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">After each purchase, we utilize a champion-challenger approach to allocate accounts to the service providers within each collection channel that generate the highest net present value for each portfolio segment. We utilize a combination of internal and external servicing to drive down our cost-to-collect and increase effectiveness through competitive performance measures which are used to allocate greater account placement volumes to the best performing servicer provider. This also helps us in devising future collection strategies. For example, if one collection agency or law firm is outperforming another or where an external agency or law firm is outperforming an internal agency or legal function, we allow similar accounts to transition to the collection vendor or channel that produces the highest net present value. This in turn drives optimal service provider performance as they compete to receive increased placements of our accounts. We continuously track portfolio performance and make changes in collection strategy across channels where performance lags expectation or where we find opportunities for improvement. We determine whether to use external or internal recovery through data analysis, which considers cost-to-collect, time value of money and net liquidation rates, among other performance measures. Performance data dictates which channels or vendors deserve a higher or lower share of our account placements going forward. We are agnostic as to whether we collect an account using our internal capabilities or place an account with an external vendor; we place accounts in the channel and with the vendor that our competitive performance measures indicate will produce the highest net present value in a rigorously compliant manner.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We utilize our proprietary ValuTiers segmentation process to establish commission rates for external agencies, which effectively homogenizes accounts across portfolios based on account attributes designed to result in comparable unit economics on the basis of collection effort required. This type of segmentation ensures we reward agencies with a higher collections commission for accounts that require more collection effort than the commission rate we would pay for accounts that we would expect to require less collection effort. This provides collection agencies an incentive to apply equal collection effort for all accounts placed within a ValuTier and ensures both easy and difficult accounts receive appropriate effort, thereby maximizing collections and lowering our aggregate cost-to-collect. We are then able to develop customized collection strategies for each ValuTier and are better able to select external collection agencies capable of achieving consistent maximum liquidation performance for a given ValuTier and account type and meet our stringent compliance requirements. We believe our proprietary methodology has generated a significant reduction in the cost-to-collect for our business in the United States and the United Kingdom, and it is now improving our efficiency in Canada as well as in Latin America.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Asset Diversification</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have expertise and historical data in under-penetrated asset classes where others lack robust historical performance that give us a competitive advantage in pricing and implementing collection strategies. Our asset classes are very diversified in the United States and the United Kingdom. We have achieved consistently high multiples of investment across all core asset classes. The below chart shows our asset diversification in the United States, Canada, the United Kingdom and Latin America as of March 31, 2025:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Business Lines</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The chart below presents an overview of our collection channels for the year ended December 31, 2024 for each of our geographic locations or segments:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Distressed Business Line</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Distressed is our largest business line and represents the purchase, collection and servicing collection of nonperforming consumer loans. The vast majority of distressed accounts that we purchase have been charged-off for reason of delinquency. However, we have also purchased accounts that are considered to be performing but that have elevated credit risk, which we can purchase at a significant discount to face value. The Conn&#8217;s Portfolio Purchase included both accounts that were charged-off and accounts that are considered to still be performing though with elevated credit risk, and we consolidated that purchase into our Distressed business line.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Since inception and through March 31, 2025, we have invested approximately $2.3&#160;billion in portfolios with original face value of approximately $70.5&#160;billion of distressed receivables with a strategic focus on underpenetrated asset classes, including consumer installment loans, telecom receivables, auto finance loans, utilities, and small balance credit card receivables. We believe we possess robust historical performance data that other competitors lack in each of these asset classes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We purchase and manage the collection of distressed accounts across all of our geographies. Today, based on our experience, industry knowledge and analysis of publicly available reports, we believe we are the largest purchaser of nonperforming telecom receivables in the United States and Canada and of nonperforming telecom and utilities receivables in the United Kingdom. We believe we are also the largest or second largest purchaser of nonperforming auto finance receivables in the United States and the largest purchaser of nonperforming consumer receivables of any type in Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Insolvency Business Line</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In our Insolvency business line, we purchase and service insolvency accounts that are filed under the U.S. Bankruptcy Code, or under equivalent insolvency statutes in Canada and the United Kingdom. Accounts in an insolvency typically obtain payment plans that generally range from three to five&#160;years in duration. We purchase accounts that are at any stage in the bankruptcy plan life schedule. Portfolios acquired close to the filing of the bankruptcy plan will generally take&#160;months to generate cash flow, while aged portfolios acquired&#160;years after the plan filing will typically generate immediate cash flows. Non-U.S. insolvency accounts may have some slight differences but generally operate in a similar manner. In Canada, we purchase consumer proposal, consumer credit counseling and bankrupt accounts. We recently commenced purchasing portfolios of insolvent accounts in the United Kingdom, which are referred to as Individual Voluntary Arrangements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Since inception and through March 31, 2025, we have invested approximately $1.1&#160;billion in portfolios with original face value of approximately $8.8&#160;billion in insolvency purchases. We are able to manage all bankruptcy chapters in all states and territories and purchase in all secured and unsecured asset classes except for mortgages. We believe we are part of a very small subset of companies that buys consumer bankruptcy claims and part of an even smaller subset that buys secured consumer bankruptcy claims. Because we buy both secured and unsecured loans across the credit spectrum, we believe creditors prefer to work with us as they do not have to engage multiple vendors, which may require lengthy and complicated on-boarding and may increase cost and risk. In addition to the purchase of portfolios of insolvent loans, we provide fee-based services including third-party servicing of bankruptcy accounts in the United States and Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Today, based on our experience, industry knowledge and analysis of publicly available reports, we believe we are the largest or second largest purchaser of insolvent consumer receivables in the United States and the largest purchaser of insolvent consumer receivables in Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Collections processes are very different for our Insolvency business line than for our Distressed business line. Insolvencies are consumer-initiated actions and the process of responding to these actions is technology-based and highly automated, without the operational intensity of distressed collection strategies. During a bankruptcy proceeding, our interaction in the collection process is solely with the bankruptcy trustee, and we have no interaction with the consumer. As a result, our cost-to-collect in Insolvency is substantially lower: 7.3% and 5.9%, excluding the cost to repossess assets, for the year ended December&#160;31, 2024 and the three months ended March 31, 2025, respectively, compared to 25.3% and 19.3% for the year ended December&#160;31, 2024 and the three months ended March 31, 2024, respectively, for the Distressed business line, excluding court costs and U.K. servicing businesses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Collection Channels</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">For the Distressed business line, we have two primary types of collection channels, legal and voluntary. Legal collections are where we seek to obtain legal judgments that can be used to exercise post-judgment collection remedies. Voluntary collections are where we reach account holders, through our voluntary engagement and repayment strategies used by our internal recovery channels (both onshore and offshore) or an external agency, to attempt to contact the consumer directly.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Legal Collection Channel</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The legal collection channel is used for accounts that our models and analytics identify as having a high propensity to pay in a legal environment. If the applicable local collection laws and legal collection costs for a given receivable are favorable, and if an account holder has the ability to pay but is unwilling to do so or if we cannot contact the account holder, we may involve our internal legal channel or external law firms. Our internal legal channel and external law firms seek to obtain legal judgments that can be used to exercise post-judgment collection remedies such as wage garnishments or liens on automobiles or real property where applicable. Simply initiating legal proceedings sometimes may result in voluntary payments. We have built a proprietary legal profitability model that is used to determine whether an account is worth the additional expense of commencing a legal action. This model utilizes the expected post-suit liquidation rate, the commission rate for using external law firms, court costs, the expected court cost recovery rate and the timing of the expected recovery. The legal process can take an extended period of time and result in higher costs, but when accounts are selected properly, it can also generate net collections that would not have been realized otherwise.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In the United States, we use our internal legal platform based primarily in our Denver, Colorado facility to support our internal attorneys in 18 states which represent over 50% of United States consumers, and we use a network of eight external legal service providers that cover the rest of the United States. In Canada, legal collections are less important to overall collections, so we use our internal legal channel in two provinces while using seven external vendors for those provinces as well as other provinces. In the United Kingdom, we expanded our internal legal collections platform in 2023 by acquiring Moriarty. Moriarty continues to service external clients, but we currently use and intend to use Moriarty to service an increasing proportion of our own accounts. We believe this will result in a higher net present value for our accounts through our champion challenger approach. We currently use only two external law firms in the United Kingdom to pursue legal collections where it is the optimal collection strategy for an account. Legal collections represent an even smaller portion of total collections in Latin America. Our internal legal channel accounted for $44.2 million, or </font>
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          <font style="letter-spacing:-0.038pt;">7.6&#160;%, of our collections for the year ended December 31, 2024 and $13.6&#160;million, or 5.2% of our collections for the three months ended March 31, 2025. External law firms, by contrast, across our geographic locations accounted for $78.7 million, or 13.5%, of our collections for the year ended December 31, 2024 and $24.9&#160;million, or 9.5% of our collections for the three months ended March 31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Voluntary Collection Channel</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our internal recovery and external agency collections are voluntary in nature and constitute a more significant component of our collections than legal collections. This is due to our emphasis on seeking constructive engagement with consumers and obtaining voluntary repayment, as well as our unique asset class mix comprised of smaller balance accounts. Incurring court costs, which have certain fixed costs per suit, can be cost prohibitive on smaller balance accounts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We maintain a small internal call center in Sartell, Minnesota, which we use as a strategic benchmark rather than a scale-based call center operation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Due to their performance, our co-sourced operation in Mumbai, India has earned a greater share of account volumes compared to our external collection agencies. We believe a compliant and efficient offshoring system creates one of our cost-to-collect advantages relative to competitors. In 2016, we engaged an experienced offshore collection service provider to commence collections while using our system of record, our comprehensive account representative training program, our compliance management system requirements, and using our management to oversee collection activities. Our investment of time and resources in this effort has been successful, both in terms of competitive collection performance and cost-to-collect as well as meeting our stringent compliance and consumer experience requirements. Based on our champion-challenger approach, we have shifted a larger proportion of what we could have placed with external collection agencies to our co-sourced operation in Mumbai, India. For the year ended December 31, 2024 and three months ended March&#160;31, 2025, our Mumbai operations have recovered 23.2% and 13.9% of our total U.S. collections, respectively. We have realized significant savings and reduced our overall collection costs by shifting more ValuTier placements to Mumbai for portfolios where it is the best performing servicer. As with our external resources, we can scale up and down our Mumbai operation based on our requirements. Although we primarily place U.S. receivables to our internal collections group in Mumbai, in early 2023 and in 2024, respectively, we started to place portions of our U.K. and Canada portfolios to Mumbai. We believe we have a significant opportunity to improve our performance by shifting incremental collections to our Mumbai platform, including a growing portion of our U.K. and Canadian collections. Our internal agency channel, including our Sartell, Minnesota call center and our Mumbai operation, accounted for $161.7 million, or 27.7%, of our aggregate collections for the year ended December 31, 2024 and $38.8&#160;million, or 18.1%, of our aggregate collections for the three months ended March 31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our external collection channel remains among our largest, and one that we utilize across all of our geographic locations. We use a network of seven external agencies that cover our call center channel collections in the United States. We also use 14 external agencies in Canada, six in the United Kingdom and five in Latin America. As discussed above, we use our segmentation strategy and ValuTiers to both place the optimal accounts with the agency most skilled at a given portfolio segment and with a commission structure that optimizes effort across different account types. In aggregate, across our geographies, external agencies accounted for $143.8 million and $46.6&#160;million, or 24.5% and 17.9%, of our collections for the year ended December 31, 2024 and the three months ended March 31, 2025, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In the United States, our Insolvency collections utilize our highly efficient proprietary system that pulls bankruptcy claims information from our internal tables and extensive data and then uses proprietary software and automation that is overseen by our associates to complete forms and assist with the filing of proofs of claims or claim transfers. The system further relies upon extensive quality control procedures to ensure the accuracy and timeliness of all filed claims, as well as to actively manage accounts through the entire life cycle of the bankruptcy proceeding. It further utilizes robust national databases to assist with the analytics, payment processing, and other essential activities while providing required account support for our claims and ensuring that we participate in applicable distributions to creditors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">BankruptcyStream is our proprietary technology platform that processes insolvencies in Canada through an automated data digitization engine. Credit originators run our BankruptcyStream software to identify any accounts held by their account holders that are either in bankruptcy or under a consumer proposal, track </font>
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          <font style="letter-spacing:-0.038pt;">accounts in real time, and independently follow the insolvency process. Our software allows our clients to manage the servicing, interact with the approximately 1,000 Canadian bankruptcy trustees efficiently through a proprietary API Gateway and transfer title to us through automated workflows. An enhanced decisioning automation solution uses machine learning to analyze insolvencies and perform bankruptcy trustee follow-up in real time. This allows us to maximize bankruptcy trustee distributions for each account. We offer BankruptcyStream to our clients as a standalone software offering and service, and we also use it as part of a bundled proposition in purchasing insolvent accounts through a forward flow. BankruptcyStream improves creditors&#8217; cost structure and enhances their data and managerial oversight with secure and adaptable technology. Because BankruptcyStream integrates into our clients&#8217; information technology systems, we believe the platform creates greater &#8220;stickiness&#8221; to the relationship and helps streamline the purchasing and servicing of these receivables. Insolvency collections, across our geographies, accounted for $104.2 million and $29.9&#160;million, or 17.8% and 11.5%, of our collections for the year ended December 31, 2024 and the three months ended March 31, 2025, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition to ValuTiers and BankruptcyStream, we have other proprietary business processes that help us automate and improve the accuracy and efficiency of our operations, such as PrecisionHandler Solution, VeriCredit, CustomerCare Solution and OptimizedOffer Solution. Our PrecisionHandler Solution is a custom web-based application that allows our employees to accurately and consistently analyze and handle both written and verbal disputes from account holders. PrecisionHandler Solution analyzes numerous data points to determine the best manner in which to handle accounts on an individualized basis. Our PrecisionHandler Solution does not use generative AI or rely upon AI technology obtained from third party service providers and requires human involvement to implement its output. Our proprietary VeriCredit tool facilitates more efficient, accurate and effective investigations and responses to consumer credit reporting inquiries. Our CustomerCare Solution is a dashboard tool that identifies critical account and consumer information and presents it in a manner that allows our employees to accurately and efficiently address any consumer inquiries. Finally, our OptimizedOffer Solution is a web-based application that uses customized models and our significant and proprietary data warehouse to present fair, affordable, and customer-centric solutions to help account holders resolve their debts using offers that are tailored to their individual situations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our software development team creates these proprietary technology platforms and business solutions with strategically focused use of open-source code or platforms controlled by external entities. There are also certain limited situations where we utilize open source code in conjunction with non-open source platforms. By leveraging our in-house expertise and proprietary technologies, we ensure that our software is tailored to meet the unique needs of our business while maintaining control over the codebase. This approach not only enhances security and reliability but also allows us to provide highly specialized and scalable solutions without the constraints and potential vulnerabilities associated with third-party dependencies.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We have used these capabilities, along with our variable cost model, Mumbai operations, our technological and digital collection capabilities and other business processes to maintain an industry leading cost-to-collect and cash efficiency ratio, despite being smaller and collecting smaller balance and more difficult accounts than other larger debt buyers. Our cash efficiency ratio was 68.7% for the year ended December&#160;31, 2024 as compared to ratios ranging from 54.2% to 58.9% for our two primary competitors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We believe we have the opportunity to further increase our cost advantage related to competitors by increasing our scale and continuous performance improvement initiatives, as well as developing capabilities in generative AI that are compliant with regulatory requirements, provide an improved consumer experience, and produce a proprietary and sustainable competitive advantage. We have an internal task force of technology and operational leaders that evaluate the use of AI in different parts of the organization and consider implementation of technologies and strategies working in one area to other parts of the organization. As the Latin American regulatory environment permits greater use of certain new technologies than other markets, we use Latin America as a laboratory for certain new technologies to be developed, tested and proven before broader adoption in the United States or other markets. In Colombia, a virtual collector utilizes AI-based chatbots and voice responses that are customized to reflect regional Spanish accents. This results in better consumer engagement and automated offers for consumers to resolve their accounts or set up payment plans. Similar techniques could be used more broadly in other geographic locations. Moving forward, automated outbound text messages, emails and letters could also be optimized based on demographic, behavioral and historical data to create targeted messages that are personalized to individual recipients. Other consumer facing AI initiatives can be </font>
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          <font style="letter-spacing:-0.038pt;">used for enhanced customer experience, faster response times and reduced labor costs. With human oversight, we currently use these types of solutions to pre-populate and automate the production of certain legal documents and other court filings both in the insolvency process and as part of our legal collections channel across many jurisdictions. We believe there is an opportunity to automate more of our processes through greater adoption of generative AI.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Focus on Compliance</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We believe our compliance track record is one of the best in the industry. Since our founding in 2002, investments in people and processes to ensure ongoing legal and regulatory compliance, coupled with a culture that promotes doing the right thing for consumers, have provided a key commercial competitive advantage in winning new business from reputation sensitive credit originators, financial institutions and service providers. Our success is rooted in our history of compliance. Since 2012 through March 31, 2025, we have engaged in approximately 1,400 compliance requests and audits by clients and regulators. We successfully completed 141 and 44 such requests and audits for the year ended December&#160;31, 2024 and the three months ended March&#160;31, 2025, respectively, and we have never failed a regulatory audit in our 22-year history. </font>
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          <font style="letter-spacing:-0.038pt;">By centering our business around treating the consumer fairly in all of our operations, and through the use of proprietary technology and experienced associates to promptly and efficiently resolve consumer inquiries, we believe we are able to provide a better customer experience and better responsiveness to consumer concerns than other large industry participants. These outcomes have been viewed favorably by both the institutions from whom we acquire accounts and by our regulators.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In 2015, we underwent a full-scope CFPB supervisory audit, which included 12 weeks of on-site examinations and at the end of which none of our existing practices, procedures, or operations were required to be changed. The CFPB seeks to schedule its supervisory audits at least once every five&#160;years for all major industry participants with institutions that pose a higher risk to consumers being reviewed and visited more frequently. The CFPB began its second supervisory audit of us in November&#160;2020, which it completed in June&#160;2021. Although the CFPB requires the results to remain confidential, we can report that none of our existing practices, procedures, or operations were required to be changed. We believe our track record compares quite favorably to our peers in the industry, some of whom have been subjected to litigation, fines, and remediation as a result of CFPB reviews and investigations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our approach to compliance is multifaceted, comprehensive and is overseen by both our board of directors and senior management. Our compliance management system is based upon a foundation of comprehensive policies and procedures, training, monitoring, and consumer complaint analysis and responses. Our stringent compliance expectations extend to our service providers, who must meet the same standards we require internally.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our culture of compliance is predicated on the following principles:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Treating the consumer fairly, which, while simple, is our guiding principle;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Extensive and up to date compliance and ethics training for all of our employees, including senior managers and officers, as well as the Chair of our Board of Directors Compliance Committee;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">An extensive and detailed CMS which takes a comprehensive approach to track and implement compliance with all CFPB as well as other federal, state and local regulatory requirements;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Regular testing by our internal compliance auditors of controls embedded in our business processes that are designed to foster compliance with laws, regulations and internal policy; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Regular evaluation of the legislative and regulatory environment and monitoring of statutory and regulatory changes and relevant case law, so that operations personnel are aware of and in compliance with the laws and judicial decisions that impact their job duties.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Intellectual Property</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We rely on a combination of intellectual property rights, including trademarks, copyrights and trade secrets, as well as contractual rights, to protect our proprietary software and our brands. We have not focused on patents and patent applications historically. In addition to the intellectual property that we own, we license certain third-party technologies and intellectual property, which are incorporated into some of our solutions. We </font>
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          <font style="letter-spacing:-0.038pt;">generally control access to and use of our software and other proprietary or confidential information through the use of internal and external controls, including entering into non-disclosure and confidentiality agreements with both our employees and third parties who have access to our software and other confidential information. </font>
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          <font style="letter-spacing:-0.038pt;">As of March 31, 2025, we owned 16 U.S. trademark registrations, had three pending U.S. trademark applications and owned 19 foreign trademark registrations. We also owned several domain names, including jcap.com.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">While there is no active litigation involving any of our intellectual property rights, and we have not received any notices of intellectual property infringement, we may be required to enforce or defend our intellectual property rights against third parties in the future. See &#8220;Risk Factors</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Risks Related to Information Technology, Cybersecurity and Intellectual Property&#8221; for additional information regarding these and other risks related to our intellectual property portfolio and their potential effect on us.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Seasonality</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our business typically experiences its busiest season in terms of deployments in the fourth quarter of the year. Banks and other credit originators prefer to cleanse their balance sheets of unwanted accounts before year end, and if a gain can be recorded from the sale of accounts that were written off, our clients may also prefer to realize that gain before year end. In our Canadian business, most major banks use an October fiscal year end, and we may experience the same phenomenon in terms of deployment timing at the beginning of our fourth quarter that we experience in December, the end of the fourth quarter, in our other markets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">By contrast, the strongest&#160;months for collections, particularly in the United States, correspond to the period from February to the middle of April, which is tax season in the United States. The receipt of refund checks in the first quarter of the year is typically the single largest period of excess cash for consumers, resulting in higher collections and recoveries as consumers are more likely to use their excess cash from tax refunds to pay off old debts. We build into our collection strategies an expectation that the first quarter will have the peak level of consumer liquidity for the year and invest relatively more in consumer communication during this period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In terms of financial performance, because our revenue is recognized under ASC 326 based on the accretion of discounted expected recoveries with the passage of time (See &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Critical Accounting Estimates</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Investments in Previously Charged-off Receivables&#8221;), there are no significant seasonal variations in our revenue. However, because collection expenses are recognized when collections occur, the first quarter that corresponds to the U.S. tax season will typically have an elevated level of collection expense aligned with our elevated collections during that period. The combination of revenue being recognized based on an established EIR and elevated collection expenses may result in lower operating income during periods of higher collection activity even though collection activity is generally a sign of the underlying strength of our business.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Our Competition</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We face bidding competition in our purchase of nonperforming loans and in obtaining placements for our fee-based businesses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our primary competitors in our purchased portfolio business are other purchasers of debt that manage their own nonperforming loans or outsource such servicing. In the United States, our competitors include PRA Group, Inc. (&#8220;PRA&#8221;), Encore Capital Group, Inc. (&#8220;Encore&#8221;), Resurgent Capital Services and Cavalry Portfolio Services (&#8220;Cavalry&#8221;), though we do not believe we compete against Encore and Cavalry outside of the Distressed business line and only with respect to prime originated credit card and installment loans. Some smaller competitors occasionally bid for portfolios as well, although middle market debt buyers have come under capital constraints recently and as result have reduced their purchasing activity. In some of our asset classes, we do not believe we have any significant competitors, and our growth strategy is not to take market share away from other debt buyers, but rather to unlock debt sales of portfolios which are currently serviced internally. In Canada, CBV and PRA are other active debt buyers nationally, and there are a number of smaller market participants, including hedge funds and collection agencies, purchase portfolios sporadically or operate regionally. In the United Kingdom, there are a handful of large debt buyers (e.g., PRA, Encore, Lowell Group Ltd. and Intrum Justia AB) that focus on the high street banks, but in our niche focused on utilities and telecom </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">and point-of-sale installment loans, we believe there are only one or two competitors, such as Lantern. In Latin America, we face competition from mainly smaller local players, which vary from country to country. We believe that in some markets, such as the Caribbean, there are few or no active competitors, but also few credit grantors that choose to sell in those markets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our primary competitors in our fee-based business are providers of outsourced receivables management services. For our Insolvency business line in the United States, our primary competitors in fee-based bankruptcy servicing are American Infosource and Quantum3. In Canada, our primary competitor for our Stream business are software offerings from Teranet and First Canadian Title, a subsidiary of First American Financial Corp. Regulatory complexity and burdens, strict privacy laws in the case of Canada, combined with seller preference for experienced portfolio purchasers, create significant barriers to successful entry for new competitors. In the United Kingdom, there are no significant competitors to ResolveCall for consumer reconnection services nationally, whereas BW Legal Services Limited would be a competitor to Moriarty for legal collections. While both markets remain competitive, the contingent fee industry is more fragmented than the purchased portfolio industry.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We also compete on the basis of reputation, industry experience, compliance practices and performance. We believe that our competitive strengths include our disciplined and proprietary underwriting process, the extensive data set we have developed since our founding in 2002, our ability to analyze and bid on portfolios at appropriate prices, our capital position, our reputation from previous portfolio purchase transactions, our ability to close transactions in a timely fashion, our strong relationships with credit grantors, our team of well-trained collectors who provide quality customer service while complying with applicable collection laws, and our ability to efficiently and effectively collect on various asset types.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Employees and Human Capital Resources</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">As of March 31, 2025, we had in aggregate approximately 720.7 FTE in ten offices, located in Minneapolis, Minnesota; Sartell, Minnesota; Denver, Colorado; San Antonio, Texas; Basingstoke, United Kingdom; Paisley, United Kingdom; London, United Kingdom; London, Ontario; Toronto, Ontario; and Bogot&#225;, Colombia, including 155.0 FTE in Texas whom we hired to service and wind down the Conn&#8217;s portfolio.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">As of March 31, 2025, we also had approximately 426.9 FTE offshore locations, who support operations in the United States, the United Kingdom and Canada, including 158.1 FTE specifically focused on servicing the Conn&#8217;s portfolio.</font>
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          <font style="letter-spacing:0.475pt;">Commitment to Values and Ethics</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our approach to human capital resources is firmly grounded in our belief in doing the right thing for all of our stakeholders, most notably consumers. By promoting a culture of treating others fairly, maintaining a commitment to ethics and working collaboratively with others, we believe we are able to more effectively attract, develop and retain talent to help execute our strategy.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In support of these values, we offer competitive pay and bonus opportunities, health and wellness benefits and retirement plans. We support the well-being of our employees with market-competitive pay and benefits while also investing in their growth and development. We also employ employee engagement best practices to improve our work experience. We believe that our relations with our employees across our organization are positive, and none of our employees are represented by a union or covered by a collective bargaining agreement. </font>
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          <font style="letter-spacing:0.5pt;">Government Regulation</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We are subject to a variety of federal, state, local and international laws that establish specific guidelines and procedures that debt collectors must follow when collecting customer accounts, including laws relating to the collection, use, retention, security and transfer of personal information. It is our policy to comply with applicable federal, state, local and international laws in all our activities even though there are inconsistencies between jurisdictions and frequent changes in these laws and regulations, including their interpretation and </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">application. Our failure to comply with these laws could result in enforcement action against us, the payment of significant fines and penalties, restrictions upon our operations or our inability to recover amounts owed to us.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Significant laws and regulations in the United States applicable to our business include the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">U.S. Regulations</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Fair Debt Collection Practices Act (as amended, the &#8220;FDCPA&#8221;), and similar state laws,</font><font style="letter-spacing:-0.038pt;"> which impose certain obligations and restrictions on the practices of debt collectors, including specific restrictions regarding the time, place and manner of the communications.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Fair Credit Reporting Act (as amended, the &#8220;FCRA&#8221;), and similar state laws,</font><font style="letter-spacing:-0.038pt;"> which obligate credit information providers to verify the accuracy of information provided to credit reporting agencies and investigate consumer disputes concerning the accuracy of such information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Equal Credit Opportunity Act,</font><font style="letter-spacing:-0.038pt;"> which, among other things, prohibits discrimination in the extension of credit on the basis of any protected category, such as age, race, color, sex, religion, marital status, national origin, receipt of public assistance or the exercise of any right under the Consumer Credit Protection Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Truth-in-Lending Act, and similar state laws,</font><font style="letter-spacing:-0.038pt;"> which, among other things, requires certain disclosures to borrowers regarding the terms of their contracts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Gramm-Leach-Bliley Act (as amended, the &#8220;GLBA&#8221;),</font><font style="letter-spacing:-0.038pt;"> which requires that certain financial institutions, including collection agencies, develop policies to protect the privacy and security of consumers&#8217; nonpublic personal information, including by providing notices to consumers advising them of their privacy policies and instituting safeguards to protect the security of consumers&#8217; nonpublic personal information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Electronic Funds Transfer Act,</font><font style="letter-spacing:-0.038pt;"> which regulates electronic fund transfer transactions, including a consumer&#8217;s right to stop payments on a pre-approved fund transfer and right to receive certain documentation of the transaction.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (as amended, the &#8220;CAN-SPAM Act&#8221;), Telephone Consumer Protection Act of 1991 (as amended, the &#8220;TCPA&#8221;) and Telemarketing Sales Rule,</font><font style="letter-spacing:-0.038pt;"> which, along with similar state laws, place certain restrictions and requirements on the manner and content of email and telephone communications, and place certain restrictions on users of certain automated dialing equipment and pre-recorded messages that place telephone calls to consumers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Servicemembers Civil Relief Act,</font><font style="letter-spacing:-0.038pt;"> which gives United States military service personnel relief from credit obligations they may have incurred prior to entering military service and may also apply in certain circumstances to obligations and liabilities incurred by a servicemember while serving on active duty.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Health Insurance Portability and Accountability Act,</font><font style="letter-spacing:-0.038pt;"> which provides standards to protect the confidentiality of patients&#8217; personal healthcare and financial information in the United States.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">U.S. Bankruptcy Code,</font><font style="letter-spacing:-0.038pt;"> which prohibits certain contacts with consumers after the filing of bankruptcy petitions and dictates what types of claims will or will not be allowed in a bankruptcy proceeding including how such claims may be discharged.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Americans with Disabilities Act,</font><font style="letter-spacing:-0.038pt;"> which requires that telecommunications companies operating in the United States take steps to ensure functionally equivalent services are available for their consumers with disabilities, and requires accommodation of consumers with disabilities, such as the implementation of telecommunications relay services.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">U.S. Foreign Corrupt Practices Act (as amended, the &#8220;FCPA&#8221;), United Kingdom Bribery Act (&#8220;U.K. Bribery Act&#8221;) and similar laws.</font><font style="letter-spacing:-0.038pt;"> Our operations outside the United States are subject to various United States and international laws and regulations, such as the FCPA and the U.K. Bribery Act, which prohibit corrupt payments to governmental officials and certain other individuals. The FCPA prohibits United States companies and their agents and employees from providing anything of value to a foreign official for the purposes of influencing any act or decision of these individuals in order to obtain an unfair advantage or help obtain or retain business. Although similar to the FCPA, the U.K. Bribery Act is broader in scope and covers bribes given to or received by any person with improper intent.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Economic sanctions regulations.</font><font style="letter-spacing:-0.038pt;"> Our operations outside the United States are subject to various United States and international laws and regulations relating to financial sanctions and trade embargoes administered and enforced by the U.S. government, including OFAC and the U.S. Department of State; the United Nations Security Council; the European Union and its member states; and the United Kingdom. These laws and regulations prohibit transactions or dealings, direct or indirect, with countries and regions (and their governments) that are the target of comprehensive sanctions. The laws and regulations also prohibit dealings or transactions with individuals on certain denied persons lists, such as OFAC&#8217;s Specially Designated Nationals and Blocked Persons List, or any person 50% or more owned by persons on such lists.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Dodd-Frank Wall Street Reform and Consumer Protection Act (as amended, the &#8220;Dodd-Frank Act&#8221;), Federal Trade Commission Act (as amended, the &#8220;FTCA&#8221;), and similar state laws.</font><font style="letter-spacing:-0.038pt;"> The Dodd-Frank Act restructured the regulation and supervision of the financial services industry in the United States and created the CFPB, an agency responsible for administering and enforcing the laws and regulations for consumer financial products and services. The CFPB has rulemaking, supervisory and enforcement authority over larger consumer debt collectors. The Dodd-Frank Act, prohibits unfair, deceptive, or abusive acts or practices, FTCA prohibits unfair or deceptive acts or practices, and the FTC&#8217;s Holder-in-Due-Course Rule, permits borrowers of certain loans to assert any claims and defenses that they would have against the originator of such loans against a subsequent purchaser of such loans. Similar state laws prohibit unfair, deceptive, abusive and/or unconscionable trade practices.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Dodd-Frank Act was adopted to reform and strengthen regulation and supervision of the U.S. financial services industry. It contains comprehensive provisions governing the oversight of financial institutions, some of which apply to us. Among other things, the Dodd-Frank Act established the CFPB, which has broad authority to implement and enforce &#8220;federal consumer financial law,&#8221; as well as authority to examine financial institutions, including credit issuers that may be sellers of receivables and debt buyers and collectors such as us, for compliance with federal consumer financial law. The CFPB has broad authority to prevent unfair, deceptive, or abusive acts or practices by issuing regulations or by using its enforcement authority without first issuing regulations. State Attorneys General and state financial regulators have authority to enforce the Dodd-Frank Act&#8217;s general prohibitions against unfair, deceptive, or abusive acts or practices, as well as state-specific prohibitions against unfair or deceptive acts or practices. Additionally, the FTCA prohibits unfair and deceptive acts or practices in connection with a trade or business and gives the U.S. Federal Trade Commission (the &#8220;FTC&#8221;) enforcement authority to prevent and redress violations of this prohibition.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Dodd-Frank Act also gave the CFPB supervisory and examination authority over a variety of institutions that may engage in debt collection, including us. Accordingly, the CFPB is authorized to supervise and conduct examinations of our business practices. The prospect of supervision has increased the potential consequences of noncompliance with federal consumer financial law.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The CFPB can conduct hearings, adjudication proceedings, and investigations, either unilaterally or jointly with other state and federal regulators, to determine if federal consumer financial law has been violated. The CFPB has authority to impose monetary penalties for violations of applicable federal consumer financial laws (including the Dodd-Frank Act, the FDCPA and the FCRA, among other consumer protection statutes), require remediation of practices, and pursue enforcement actions. The CFPB also has authority to obtain cease and desist orders (which can include orders for restitution or rescission of contracts, as well as other kinds of affirmative relief), costs, and monetary penalties ranging from $5,000 per day for ordinary violations of federal consumer financial laws to $25,000 per day for reckless violations and $1&#160;million per day for knowing violations. The CFPB has been active in its supervision, examination and enforcement of financial services companies, including bringing enforcement actions, imposing fines and mandating large refunds to customers of several financial institutions for practices relating to debt collection practices.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The CFPB and the FTC continue to devote substantial attention to debt collection activities, and, as a result, the CFPB and the FTC have brought multiple investigations and enforcement actions against debt collectors for violations of the FDCPA and other applicable laws. Continued regulatory scrutiny by the CFPB and the FTC over debt collection practices may result in additional investigations and enforcement actions against the debt collection industry.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In October&#160;2020, the CFPB issued final rules in the form of new Regulation&#160;F to implement the Fair Debt Collection Practices Act, which rules restate and clarify prohibitions on harassment and abuse, false or </font>
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          <font style="letter-spacing:-0.038pt;">misleading representations, and unfair practices by debt collectors when collecting consumer debt. The rules included provisions related to, among other things, the use of newer technologies (text, voicemail and email) to communicate with consumers and limits relating to telephonic communications. In December&#160;2020, the CFPB also issued an additional debt collection final rule focused on consumer disclosures. This final rule amended Regulation&#160;F to provide additional requirements regarding validation information and disclosures provided at the outset of debt collection communications, prohibit suits and threats of suits regarding time-barred debt, and identify actions that must be taken before a debt collector may report information about a debt to consumer reporting agencies. The rules became effective on November&#160;30, 2021. The rules have not had a material incremental effect on our operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, the CFPB has issued guidance in the form of bulletins on debt collection and credit furnishing activities generally, including one that specifically addresses representations regarding credit reports and credit scores during the debt collection process, another that focuses on the application of the Dodd-Frank Act&#8217;s prohibition of unfair, deceptive, or abusive acts or practices on debt collection and another that discusses the risks that in-person collection of consumer debt may create in violating the FDCPA and Dodd-Frank Act. The CFPB also accepts debt collection consumer complaints and has released template letters for consumers to use when corresponding with debt collectors. The CFPB makes publicly available its data on consumer complaints. The Dodd-Frank Act also mandates the submission of multiple studies and reports to Congress by the CFPB, and CFPB staff regularly make speeches on topics related to credit and debt. All of these activities could trigger additional legislative or regulatory action. In addition, the CFPB and FTC have has engaged in enforcement activity in sectors adjacent to our industry, impacting credit originators, collection firms, and payment processors, among others. The CFPB&#8217;s and FTC&#8217;s enforcement activity in these spaces, especially in the absence of clear rules or regulatory expectations, can be disruptive to third parties as they attempt to define appropriate business practices. As a result, certain commercial relationships we maintain may be disrupted or impacted by changes in third-parties&#8217; business practices or perceptions of elevated risk relating to the debt collection industry.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, on June&#160;11, 2024, the CFPB proposed a rule related to medical bills and credit reports. Among other things, the rule prohibits certain activities of debt collectors related to collection of medical debt, including prohibiting reporting to credit reporting agencies certain medical debt. Any new rules may have a material incremental effect on our operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, state consumer protection laws also impose substantial requirements on servicers involved in consumer finance. Additionally, Congress, states, localities and regulatory agencies could introduce new regulations or further regulate the consumer credit industry in ways that make it more difficult or costly for the servicer to collect payments on the receivables. Any such changes in the regulatory application or judicial interpretation of the laws and regulations applicable to financial institutions also could impact the manner in which the servicer conducts its business and adversely affect its ability to collect and service the receivables. We cannot determine with any degree of certainty whether any such legislative or regulatory proposals will be enacted and, if enacted, the ultimate impact that any such potential legislation or implementing regulations, or any such potential regulatory actions by federal or state regulators, would have upon our business, financial condition or results of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our activities are also subject to federal and state laws concerning identity theft, data privacy, and cybersecurity. The GLBA and its implementing regulations require us generally to protect the confidentiality of our consumers&#8217; nonpublic personal information and to disclose to our consumers our privacy policy and practices, including those regarding sharing consumers&#8217; nonpublic personal information with third parties. In addition, the FCRA requires us to prevent identity theft and to securely dispose of consumer credit reports. Certain state laws impose similar or stricter privacy obligations as well as obligations to provide notification of security breaches of personal information to affected individuals, consumer reporting agencies, businesses and governmental agencies. The applicable regulatory framework for privacy and cybersecurity issues is evolving and uncertain. For example, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (the &#8220;CCPA&#8221;) imposes stringent requirements on certain businesses with respect to the privacy and security of information of California residents. The CCPA includes provisions that give California residents rights to access, correct and delete certain personal information and opt out of certain personal information transfers. Compliance with any new or developing privacy laws in the United States, including any state or federal laws, may require significant resources and subject us to a variety of regulatory and private sanctions. </font>
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          <font style="letter-spacing:-0.038pt;">Any violations of these laws and regulations may require us to change its business practices or operational structure, and could subject it to legal claims, monetary penalties, sanctions, and the obligation to indemnify and/or notify customers or take other remedial actions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our activities are also subject to federal and state laws concerning the use of automated dialing equipment, and other laws related to consumers and consumer protection. We are subject to laws, regulations and standards covering marketing, advertising and other activities conducted by telephone, email, mobile devices and the internet, such as the Federal Communications Act, the Federal Wiretap Act, the Electronic Communications Privacy Act, the TCPA, the CAN-SPAM Act and similar state consumer protection and communication privacy laws. Numerous class-action suits under federal and state laws have been filed in recent&#160;years against companies who conduct telemarketing and/or SMS texting programs, with many resulting in multi-million-dollar settlements to the plaintiffs.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition to the federal statutes detailed above, many states have general consumer protection statutes, laws, regulations, or court rules that apply to debt purchasing and collection. In a number of states and cities, we must maintain licenses to perform debt recovery services and must satisfy ongoing compliance and bonding requirements. It is our policy to comply with all material licensing, compliance and bonding requirements. Our failure to comply with existing requirements, changing interpretations of existing requirements, or adoption of new requirements, could subject us to a variety of regulatory and private sanctions. These could include license suspension or revocation; orders or injunctive relief, including orders providing for rescission of transactions or other affirmative relief; and monetary relief, including restitution, damages, fines and/or penalties. In addition, failure to comply with state licensing and compliance requirements could restrict our ability to collect in regions, subject us to increased regulation, increase our costs, or adversely affect our ability to collect our receivables.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">State laws, among other things, also may limit the interest rate and the fees that a credit originator may impose on our consumers, limit the time in which we may file legal actions to enforce consumer accounts, and require specific account information for certain collection activities. By way of example, the California Fair Debt Buying Practices Act that directly applies to debt buyers, applies to accounts sold after January&#160;1, 2014. The law requires debt buyers operating in the state to have in their possession specific account information before debt collection efforts can begin, among other requirements. Moreover, the New York State Department of Financial Services issued new debt collection regulations, which took effect in September&#160;2015 and established new requirements for collecting debt in the state. In addition, other state and local requirements and court rulings in various jurisdictions may also affect our ability to collect.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The relationship between consumers and credit card issuers is also extensively regulated by federal and state consumer protection and related laws and regulations. These laws may affect some of our operations because some of our receivables originate through credit card transactions. The laws and regulations applicable to credit card issuers, among other things, impose disclosure requirements when a credit card account is advertised, when it is applied for and when it is opened, at the end of monthly billing cycles, and at year-end. Federal law requires, among other things, that credit card issuers disclose to consumers the interest rates, fees, grace periods, and balance calculation methods associated with their credit card accounts. Some laws prohibit discriminatory practices in connection with the extension of credit. If the originating institution fails to comply with applicable statutes, rules, and regulations, it could create claims and rights for consumers that would reduce or eliminate their obligations related to those receivables. When we acquire receivables, we generally require the credit originator or portfolio reseller to represent that they have complied with applicable statutes, rules, and regulations relating to the origination and collection of the receivables before they were sold to us.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Federal statutes further provide that, in some cases, consumers cannot be held liable for, or their liability is limited with respect to, charges to their credit card accounts that resulted from unauthorized use of their credit cards. These laws, among others, may give consumers a legal cause of action against us, or may limit our ability to recover amounts owing with respect to the receivables, whether or not we committed any wrongful act or omission in connection with the account.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">These laws and regulations, and others similar to the ones listed above, as well as laws applicable to specific types of debt or debt collection, impose requirements or restrictions on collection methods or our ability to enforce and recover certain of our receivables. Effects of the law, including those described above, and any </font>
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          <font style="letter-spacing:-0.038pt;">new or changed laws, rules, or regulations, and reinterpretation of the same, may adversely affect our ability to recover amounts owing with respect to our receivables or the sale of receivables by creditors and resellers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Canadian Regulations</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We are subject to a variety of federal, provincial, and territorial laws that establish specific guidelines and procedures that debt collectors must follow when collecting customer accounts. It is our policy to comply with applicable laws and regulations, including providing extensive training and ongoing monitoring. Our compliance management system and related controls are embedded in business processes and are also tested regularly by our compliance and quality assurance protocols. Our failure to comply with these laws could result in fines or restrictions upon our operations. Significant laws and regulations material to our business include the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Debt Collection legislation and Consumer Protection Acts</font><font style="letter-spacing:-0.038pt;"> are provincial statutes in Canada, which impose certain obligations and restrictions on debt collection activities including specific restrictions regarding the time, place and manner of communications for collection activity and unfair business practices. Prohibited collection practices are generally harmonized across Canada, however each province governs compliance with the applicable provincial legislation and regulations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Consumer Reporting Acts</font><font style="letter-spacing:-0.038pt;"> are provincial statutes in Canada, which obligate credit reporting agencies to collect, maintain, and report consumers credit and personal information accurately and investigate consumer disputes concerning the accuracy of such information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Bankruptcy and Insolvency Act (the &#8220;BIA&#8221;)</font><font style="letter-spacing:-0.038pt;"> is federal legislation that establishes a detailed framework for the administration of insolvencies in Canada, including the requirements of bankruptcy trustees and creditors who file claims and receive dividends. The Superintendent of Bankruptcy supervises the administration of all estates and matters under the BIA.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Personal Information Protection and Electronic Documents Act (&#8220;PIPEDA&#8221;)</font><font style="letter-spacing:-0.038pt;"> is federal legislation that establishes national standards for privacy practices in Canada. PIPEDA aims to protect personal information that is collected, used or disclosed in certain circumstances for purposes of commercial activity in Canada. The Office of the Privacy Commissioner of Canada oversees compliance with PIPEDA. Certain provinces have similar provincial laws to PIPEDA.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The credit card we issue in Canada is issued by Peoples Trust Company, a federal corporation incorporated pursuant to the </font><font style="font-style:italic;">Trust and Loan Companies Act</font><font style="letter-spacing:-0.038pt;"> (Canada), pursuant to their license with MasterCard. The credit card complies with the regulatory authority having jurisdiction over Peoples Trust Company, maintains strict compliance with the </font><font style="font-style:italic;">Proceeds of Crime (Money Laundering) and Terrorist Financing Act</font><font style="letter-spacing:-0.038pt;">, implements comprehensive policies and procedures to ensure ongoing compliance and operates in accordance with the security standards of the Payment Card Industry Security Standards Council. We also ensure ongoing compliance with the maximum permitted interest rate in Canada, including the recent amendments pursuant to the Budget Implementation Act, 2023, which came into force on January&#160;1, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">U.K. Regulations</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our operations in Europe are affected by local statutes, rules and regulations. It is our policy to comply with these laws in all of our recovery activities in Europe, where applicable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Financial Conduct Authority Regulation</font><font style="letter-spacing:-0.038pt;">.&nbsp;&nbsp;&nbsp;U.K. debt purchase and services collections businesses are principally regulated by the FCA, the U.K. Information Commissioner&#8217;s Office and the U.K. Office of Communications. We have two regulated entities in the United Kingdom, JC International Acquisition LLC and Credit Account Recovery Solutions Limited. The FCA regards debt collection as a &#8220;high risk&#8221; activity primarily due to the potential impact that poor practice can have on already vulnerable consumers and as a result maintains a high focus on the sector. The FCA Handbook sets out the FCA rules and other provisions. Firms wishing to carry on regulated consumer credit activities must comply with all applicable sections of the FCA Handbook, including the principles of &#8220;Treating Customers Fairly&#8221; and delivering good outcomes for retail consumers under the Consumer Duty, as well as the applicable consumer credit laws and regulations. The FCA also publishes guidance on various topics from time to time that it expects firms to comply with.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The FCA has applied its rules to consumer credit firms in a number of areas, including its high-level principles and conduct of business standards. The FCA has significant powers and, as the FCA deepens its understanding </font>
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          <font style="letter-spacing:-0.342pt;">149</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">of the industry through continued supervision, it is likely that the regulatory requirements applicable to the debt purchase industry will continue to increase. In addition, it is likely that the compliance framework that will be needed to continue to satisfy the FCA requirements will demand continued investment and resources in our compliance governance framework.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">One particularly significant regulatory change program was the implementation of the Consumer Duty for U.K. operations in July&#160;2023. These requirements introduce a more outcomes-focused approach to consumer protection and set higher expectations for the standard of care that firms give customers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Companies authorized by the FCA must be able to demonstrate that they meet the threshold conditions for authorization and comply on an ongoing basis with the FCA&#8217;s high level standards for authorized firms, such as its Principles for Business (including the principles of &#8220;Treating Customers Fairly&#8221; and delivering good outcomes for retail consumers), and rules and guidance on systems and controls. The FCA has the ability to, among other things, impose significant fines, ban certain individuals from carrying on trade within the financial services industry, impose requirements on a firm&#8217;s permission, cease certain products from being collected upon and, in extreme circumstances, remove permissions to trade.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Consumer protection</font><font style="letter-spacing:-0.038pt;">.&nbsp;&nbsp;&nbsp;The Consumer Credit Act of 1974 (and its related regulations) (collectively, the &#8220;U.K. Consumer Credit Act&#8221;) and the U.K. Consumer Rights Act 2015 set forth requirements for the entry into and ongoing management of consumer credit arrangements in the United Kingdom. A failure to comply with these requirements can make agreements unenforceable or can result in a requirement that charged and collected interest be repaid. In June&#160;2022, the U.K. government announced its decision to reform the U.K. Consumer Credit Act (and its related regulations) to ensure it is fit for purpose and keeps pace with technological advancements and changing consumer needs. While the reform will take a number of&#160;years to deliver, it should be noted that consultation up to the end of 2024 indicates that significant overhaul of this area of regulation is forthcoming. On October&#160;25, 2024, a Court of Appeal ruling declared it unlawful for lenders to have paid a commission to car dealers without obtaining borrowers&#8217; fully-informed consent. In particular, the ruling has increased the set-off risk of commissions that may be packaged into relevant underlying car loans. While the ramifications of this ruling on the wider consumer credit and consumer debt repurchase markets (</font><font style="font-style:italic;">i.e.</font><font style="letter-spacing:-0.038pt;">, beyond motor finance) remains unknown, several lenders active in the motor finance space have put aside significant sums to cover potential fines and other payouts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Data protection</font><font style="letter-spacing:-0.038pt;">.&nbsp;&nbsp;&nbsp;In addition to these regulations on debt collection and debt purchase activities, we must comply with the General Data Protection Regulation&#160;2016/679 (the &#8220;GDPR&#8221;). This substantially replaced the previous legislation (Data Protection Act 1998) and introduced significant changes to the data protection regime including but not limited to: the conditions for obtaining consent to process personal data; transparency and providing information to individuals regarding the processing of their personal data; enhanced rights for individuals; notification obligations for personal data breach; and new supervisory authorities, including a European Data Protection Board. The GDPR was further enhanced in the United Kingdom through new U.K.-specific legislation in the form of an updated U.K. Data Protection Act 2018.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Solicitors&#8217; Professional Conduct</font><font style="letter-spacing:-0.038pt;">.&nbsp;&nbsp;&nbsp;The regulatory body for solicitors in England and Wales is the Solicitors Regulation&#160;Authority (the &#8220;SRA&#8221;). It is responsible for regulating the professional conduct of solicitors and other authorized individuals at law firms, including our operations at Moriarty. It created and maintains the Solicitors Handbook, including the Code of Conduct, which contains the ethical principles that guide solicitors in their work, authorizes the law firms like Moriarty within which legal activities are carried out, and supervises the firms and individuals to ensure they adhere to professional standards. The SRA can take enforcement action against those that have breached the Code of Conduct, and has a range of sanctions available to ensure compliance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Latin America Regulations</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our operations in Latin America are affected by local statutes, rules and regulations. It is our policy to comply with these laws in all of our recovery activities in Latin America, where applicable. Although we have purchased nonperforming loans in Colombia, Peru and the Caribbean, our collections activity is focused upon Colombia.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The most significant laws, regulations and regulatory oversight in Colombia include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Superintendence of Industry and Commerce (the &#8220;SIC&#8221;) is a national public authority organized into six principal divisions, which include, </font><font style="font-style:italic;">inter alia</font><font style="letter-spacing:-0.038pt;">, Consumer Protection and Personal Data Protection. </font>
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          <font style="letter-spacing:-0.342pt;">150</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">The SIC ensures the protection of all the rights of people against companies that process their personal, financial, credit or commercial information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Law 1266 of 2008 and Law 1581 of 2012 are two key personal financial data protection laws which protect individuals&#8217; right to know, update and rectify information gathered about them in databases or files.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Law 2300 of 2023 safeguards the privacy of financial consumers and primarily applies to entities regulated by the Financial Superintendency and those engaged in collection operations. It governs contact and communication channels, as well as timing, for debt collection purposes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">There are also three main circular letters from the Financial Superintendent Office which regulate collections practices: External Circular 48 of 2009 which gives Instructions related to the conditions of pre-legal collection management, External Circular 15 of 2010 which addresses protection of financial consumers&#8217; rights, and External Circular 38 of 2011 which regulates personal and credit information treatment during the collection process.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Facilities</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our corporate headquarters are located in Minneapolis, Minnesota. As of March 31, 2025, we had additional offices and operations located in Sartell, Minnesota, Denver, Colorado, San Antonio, Texas, Basingstoke, United Kingdom, Paisley, United Kingdom, London, United Kingdom, London, Ontario, Toronto, Ontario, and Bogot&#225;, Colombia. We believe that our facilities are adequate for our current operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Legal Proceedings</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In the ordinary course of business, we may at times be subject to claims and legal actions. We do not believe the results of any current or threatened proceedings, individually or in the aggregate, will have a material adverse effect on our business, financial condition, results of operations or liquidity.</font>
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          <font style="letter-spacing:-0.342pt;">151</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tMAN">&#8203;</a>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">MANAGEMENT</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The following table sets forth the name, age as of the date of this prospectus and position of the individuals who currently serve as directors and executive officers of Jefferson Capital Holdings, LLC, and will continue to serve as directors and executive officers of Jefferson Capital, Inc. following the Reorganization and the completion of this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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                <font style="letter-spacing:-0.038pt;">David Burton </font>
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              <font style="letter-spacing:-0.038pt;">President, Chief Executive Officer and Director </font>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Christo Realov </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">45</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Chief Financial Officer and Treasurer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Matthew Pfohl </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">58</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Chief Administrative Officer, General Counsel and Secretary </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Mark Zellmann </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">43</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">President of U.S. Business Lines </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Penelope Person </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">57</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Chief Commercial Officer </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Thomas Harding </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">43</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Director </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">John Oros </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">78</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Director </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Thomas Lydon, Jr. </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">32</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Director </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Christopher Giles </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">54</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Director </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Ronald Vaske </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; white-space:nowrap;text-align:center;">58</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Director </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:171.96pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Beth Leonard </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:center;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; white-space:nowrap;text-align:center;">65</td>
            <td style="padding:0pt;padding-left:0.640000000000001pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:247.15pt;">
              <font style="letter-spacing:-0.038pt;">Director</font>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
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        <div style="margin-top:11.6pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Executive Officers</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">David Burton</font><font style="letter-spacing:-0.038pt;"> founded Jefferson Capital in 2002 and has served as our President and Chief Executive Officer and on our board of directors since our inception. Prior to founding Jefferson Capital, Mr.&#160;Burton served as Group President of OSI Education Services, a subsidiary of leading accounts receivable management service provider Outsourcing Solutions, from 1996 to 2002. Mr.&#160;Burton entered the accounts receivable industry in 1992 when he joined A.M. Miller &amp; Associates, eventually becoming its President and Chief Operating Officer and serving in such capacity from 1992 to 1996. Mr.&#160;Burton holds a Bachelor of Business Administration with a concentration in Finance and Law from the University of Michigan School of Business Administration. We believe Mr.&#160;Burton&#8217;s extensive experience in executive leadership positions and knowledge and experience in the accounts receivable industry make him well-qualified to serve as a member of our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Christo Realov</font><font style="letter-spacing:-0.038pt;"> has served as our Chief Financial Officer since December&#160;2024. Mr.&#160;Realov joined Jefferson Capital in 2021 as our Senior Vice President of Corporate Development and Treasurer. Prior to joining Jefferson Capital, Mr.&#160;Realov worked in a variety of positions in Citigroup&#8217;s Global Financial Institutions group from 2004 to 2021, most recently as Director. Mr.&#160;Realov holds a Bachelor of Arts in Mathematics and a Bachelor of Arts in Economics from Franklin &amp; Marshall College.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Matthew Pfohl</font><font style="letter-spacing:-0.038pt;"> has served as our Chief Administrative Officer, General Counsel and Secretary since 2015. Prior to joining Jefferson Capital, Mr.&#160;Pfohl served as Vice President, Compliance and General Counsel at Interstate Auto Group Inc., a national auto sales and finance organization with significant consumer finance operations, from 2012 to 2015. From 2005 to 2012, Mr.&#160;Pfohl worked as a civil litigator at the Minnesota law firm Olson, Redford &amp; Wahlberg, P.A. and from 2000 to 2005 as General Counsel and Director of Legal Services at AmericInn International, a national hotel chain. Mr.&#160;Pfohl holds a Bachelor of Arts in Economics from the University of Notre Dame and a Juris Doctor from Loyola University of Chicago.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Mark Zellmann</font><font style="letter-spacing:-0.038pt;"> has served as our President of U.S. Business Lines since 2022. Mr.&#160;Zellmann joined Jefferson Capital in 2004 as a Financial Analyst and has been leading the U.S. Distressed Underwriting team since 2012 until his promotion to President of U.S. Business Lines in 2022. Mr.&#160;Zellmann holds a Bachelor of Arts from the University of Minnesota and a Master of Business Administration from St. Cloud State University. He holds a Certified Management Accountant (CMA) designation from the Institute of Management Accountants. </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Penelope Person</font><font style="letter-spacing:-0.038pt;"> has served as our Chief Commercial Officer since July&#160;2017</font><font style="font-style:italic;">.</font><font style="letter-spacing:-0.038pt;"> Ms.&#160;Person joined Jefferson Capital in 2002 and has since held various roles in our company, including as manager of our external recovery </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">152</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">operations and in roles overseeing our internal call center operations and leading our client services and marketing teams. Prior to joining Jefferson Capital, Ms.&#160;Person served in a variety of leadership roles at Fingerhut Companies, Inc, a catalog and online retailer allowing for payments with credit, from 1987 to 2001. Ms.&#160;Person holds a Travel &amp; Tourism degree and a Court Reporting degree from St. Cloud Business College.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Non-Employee Directors</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Thomas Harding</font><font style="letter-spacing:-0.038pt;"> has served on our board of directors since 2018. Since 2015, Mr.&#160;Harding has served as Managing Director at J.C. Flowers, a private equity firm that focuses on investments in the financial services industry. Prior to joining J.C. Flowers, Mr.&#160;Harding worked in Bank of America Merrill Lynch&#8217;s Financial Institutions Group from 2008 to 2015 where he covered a diverse range of bank, insurance and specialty finance companies. In addition to serving on our board of directors, Mr.&#160;Harding currently serves on the boards of Island Finance, iLending and Capital Funding Bancorp. He holds a Bachelor of Arts from Swarthmore College, a Juris Doctor from Columbia Law School and a Master of Business Administration from Columbia Business School. We believe Mr.&#160;Harding&#8217;s broad knowledge and experience in the financial services industry make him well-qualified to serve as a member of our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">John Oros</font><font style="letter-spacing:-0.038pt;"> has served on our board of directors since 2017. Now a Senior Advisor, Mr.&#160;Oros has served at J.C.&#160;Flowers as Operating Partner from 2018 to 2023 and as Managing Director from 2000 to 2018. Before joining J.C. Flowers, Mr.&#160;Oros held a number of executive positions at Enstar Group Limited, including the role of Executive Chairman from 2000 to 2011. Prior to joining Enstar, Mr.&#160;Oros worked in Goldman Sachs&#8217; Financial Institutions Group from 1980 to 2000, where he became a General Partner in 1986. In addition to serving on our board of directors, Mr.&#160;Oros currently serves on the boards of Island Finance, National Guardian Life Insurance Company, iLending and TRICOR Insurance. Mr.&#160;Oros holds a Bachelor of Business Administration from the University of Wisconsin School of Business. We believe Mr.&#160;Oros&#8217; extensive experience in executive leadership positions and knowledge of the financial services industry make him well-qualified to serve as a member of our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Thomas Lydon, Jr.</font><font style="letter-spacing:-0.038pt;"> has served on our board of directors since 2021. Mr.&#160;Lydon has served as a Vice President at J.C. Flowers since 2023, where he has been working since 2017. Prior to joining J.C. Flowers, Mr.&#160;Lydon worked in Credit Suisse&#8217;s Financial Institutions Group from 2015 to 2017. In addition to serving on our board of directors, Mr.&#160;Lydon currently serves on the board of TRICOR Insurance. He holds a Bachelor of Science in Commerce from the University of Virginia. We believe Mr.&#160;Lydon&#8217;s industry experience and financial expertise make him well-qualified to serve as a member of our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Christopher Giles</font><font style="letter-spacing:-0.038pt;"> has served on our board of directors since 2018. In 2020, Mr.&#160;Giles founded Hyland Hill Investment Partners, a private credit-focused alternative credit investment firm, and has served as a partner since co-leading the firm&#8217;s investment activity. Prior to founding Hyland Hill, Mr.&#160;Giles was a partner at Total Card Funding I, a non-prime U.S. consumer credit card business, from 2017 to 2020. From 2002 to 2017, Mr.&#160;Giles worked at V&#228;rde Partners, a global investment manager specialized in consumer, residential, and commercial mortgage finance transactions, in various positions and most recently as Senior Managing Director. Prior to joining V&#228;rde, from 1994 to 2002 Mr.&#160;Giles traded distressed loans for The Credit Store, Inc., a consumer finance company based in Sioux Falls, South Dakota. Mr.&#160;Giles holds a Bachelor of Science in Finance from the University of Connecticut. We believe Mr.&#160;Giles&#8217; experience as a founder of an investment firm and his work in the consumer financial services industry make him well-qualified to serve as a member of our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Ronald Vaske</font><font style="letter-spacing:-0.038pt;"> has served on our board of directors since 2016. Ronald Vaske has been a partner at the law firm Ballard Spahr LLP with a specialty in financial institutions and Fintechs, since 2018. Prior to joining Ballard Spahr, Mr.&#160;Vaske practiced at the law firm Lindquist &amp; Vennum LLP from 1998 to 2018. Ron holds a Bachelor of Science from South Dakota State University and a Juris Doctor from Creighton University School of Law. We believe Mr.&#160;Vaske&#8217;s industry and extensive legal knowledge make him well-qualified to serve as a member of our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.475pt;">Beth Leonard</font><font style="letter-spacing:-0.038pt;"> has served on our board of directors since 2024. Ms.&#160;Leonard has been a partner at EisnerAmper, a global accounting and consulting firm, and Partner-in-Charge of the Minnesota office since 2022. Prior to the merger with EisnerAmper in 2022, Ms.&#160;Leonard had been working at Lurie, LLP, a Minnesota-based accounting firm, since 1984 in various positions and for the last 15&#160;years as Managing Partner. Ms.&#160;Leonard </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">served on the board of directors for the American Institute of Certified Public Accountants from 2021 to 2024. She holds a Bachelor of Science in Business and Accounting from the University of Minnesota&#8201;&#8212;</font>&#8203;<font style="letter-spacing:-0.038pt;">Carlson School of Management. We believe Ms.&#160;Leonard&#8217;s broad understanding of accounting and corporate finance matters and management experience make her well-qualified to serve as a member of our board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
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          <font style="letter-spacing:0.5pt;">Family Relationships</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">There are no family relationships among any of our directors or executive officers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Board Composition</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our business and affairs are managed under the direction of our board of directors. Our board of directors is currently composed of seven&#160;members. Our amended and restated certificate of incorporation and amended and restated bylaws, each of which will become effective immediately prior to the completion of this offering, will provide that the number of directors on our board of directors will be fixed from time to time by resolution of the board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">When considering whether directors have the experience, qualifications, attributes or skills, taken as a whole, to enable our board of directors to satisfy its oversight responsibilities effectively in light of our business and structure, the board of directors focuses primarily on each person&#8217;s background and experience as reflected in the information discussed in each of the directors&#8217; individual biographies set forth above. We believe that our directors provide an appropriate mix of experience and skills relevant to the size and nature of our business. </font>
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          <font style="letter-spacing:-0.038pt;">In connection with the completion of this offering, we intend to enter into the Stockholders Agreement with the JCF Stockholders, which will provide the JCF Stockholders the right to designate a certain number of nominees for election to our board of directors and certain committee nomination rights for so long as the JCF Stockholders (including their permitted transferees under the Stockholders Agreement) beneficially own a specified&#160;percentage of our outstanding common stock. See &#8220;Certain Relationships and Related Party Transactions</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Stockholders Agreement.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Classified Board of Directors</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Upon the effectiveness of the registration statement of which this prospectus forms a part, our board of directors will be divided into three classes with staggered three-year terms. At each annual general meeting of stockholders, the successors to directors whose terms then expire will be elected to serve from the time of election and qualification until the third annual meeting following election. Our directors will be divided among the three classes as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the Class&#160;I directors will be David Burton</font><font style="letter-spacing:-0.361pt;">, </font><font style="letter-spacing:-0.038pt;">Thomas Harding and Thomas Lydon, Jr., and their terms will expire at the annual meeting of stockholders to be held in </font><font style="letter-spacing:-0.361pt;">2026;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the Class&#160;II directors will be John Oros and Christopher Giles, and their terms will expire at the annual meeting of stockholders to be held in </font><font style="letter-spacing:-0.361pt;">2027</font><font style="letter-spacing:-0.038pt;">; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">the Class&#160;III directors will be Beth Leonard and Ronald Vaske, and their terms will expire at the annual meeting of stockholders to be held in </font><font style="letter-spacing:-0.361pt;">2028.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We expect that any additional directorships resulting from an increase in the number of directors will be distributed among the three classes so that, as nearly as possible, each class will consist of one-third of the directors. The division of our board of directors into three classes with staggered three-year terms may delay or prevent a change of our management or a change in control.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Controlled Company Status</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Immediately following this offering, we expect that the JCF Stockholders will together control a majority of the voting power of our outstanding common stock. As a result, we expect to be a &#8220;controlled company&#8221; within the meaning of the corporate governance rules of the Nasdaq. Under these rules, a company of which more than 50% of the voting power for the election of directors is held by an individual, group or another company is a &#8220;controlled company&#8221; and may elect not to comply with certain corporate governance requirements, including the requirements that:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">a majority of our board of directors consists of &#8220;independent directors,&#8221; as defined under the Nasdaq rules;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">we have a nominating and corporate governance committee that is composed entirely of independent directors with a written charter addressing the committee&#8217;s purpose and responsibilities;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">we have a compensation committee that is composed entirely of independent directors with a written charter addressing the committee&#8217;s purpose and responsibilities; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">we perform annual performance evaluations of the nominating and corporate governance and compensation committees.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Following this offering, we intend to rely on certain of the foregoing exemptions. As a result, we will not have&#160;a board of directors whose majority consists of independent directors or a compensation committee that is comprised entirely of independent directors unless and until such time as we are required to. Accordingly, you may not have the same protections afforded to stockholders of companies that are subject to all of the Nasdaq corporate governance requirements. In the event that we cease to be a &#8220;controlled company&#8221; and our shares continue to be listed on the Nasdaq, we will be required to comply with these requirements by the date our status as a controlled company changes or within specified transition periods, as the case may be.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Director Independence</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our board of directors has determined that all of our directors, other than David Burton, Thomas Harding</font><font style="letter-spacing:-0.361pt;">, </font><font style="letter-spacing:-0.038pt;">Thomas Lydon, Jr. and Christopher Giles, qualify as &#8220;independent&#8221; as that term is defined under the applicable rules and regulations of the SEC and the listing rules of the Nasdaq (the &#8220;Listing Rules&#8221;). David Burton is not considered independent by virtue of his position as our President and Chief Executive Officer. In making these determinations, our board of directors considered the current and prior relationships that each non-employee director has had with our company and all other facts and circumstances our board of directors deemed relevant in determining their independence.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Leadership Structure of the Board</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our bylaws and corporate governance guidelines to be in place immediately prior to the completion of this offering will provide our board of directors with flexibility to combine or separate the positions of Chairman of the board of directors and Chief Executive Officer and to implement a lead director in accordance with its determination regarding which structure would be in the best interests of our company.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our board of directors has concluded that our current leadership structure is appropriate at this time. However, our board of directors will continue to periodically review our leadership structure and may make such changes in the future as it deems appropriate.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Role of Board in Risk Oversight Process</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Risk assessment and oversight are an integral part of our governance and management processes. Our board of directors encourages management to promote a culture that incorporates risk management into our corporate strategy and day-to-day business operations. Management discusses strategic and operational risks at regular management meetings and conducts specific strategic planning and review sessions during the year that include a focused discussion and analysis of the risks facing us. Throughout the year, senior management reviews these risks with the board of directors at regular board meetings as part of management presentations that focus on particular business functions, operations or strategies, and presents the steps taken by management to mitigate or eliminate such risks.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our board of directors does not have a standing risk management committee, but rather administers this oversight function directly through our board of directors as a whole, as well as through various standing committees of our board of directors that address risks inherent in their respective areas of oversight. While our board of directors is responsible for monitoring and assessing strategic risk exposure, our audit committee is responsible for overseeing our major financial risk exposures and the steps our management has taken to monitor and control these exposures. The audit committee also approves or disapproves any related person transactions. Our compensation committee assesses and monitors whether any of our compensation policies and programs has the potential to encourage excessive risk-taking.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.5pt;">Board Committees</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our board of directors has established an audit committee, a compensation committee and a compliance committee. Our board of directors may establish other committees to facilitate the management of our business</font><font style="letter-spacing:-0.361pt;">, </font><font style="letter-spacing:-0.038pt;">but currently does not intend to have a standing nominating committee. The composition and functions of each of the committees of our board of directors are described below. Members serve on these committees until their resignation or until otherwise determined by our board of directors. Each committee intends to adopt a written charter that satisfies the applicable rules and regulations of the SEC and Listing Rules, which we will post on our website at www.jcap.com upon the completion of this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Audit Committee</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our audit committee oversees our accounting and financial reporting process. Among other responsibilities</font><font style="letter-spacing:-0.361pt;">, </font><font style="letter-spacing:-0.038pt;">the audit committee:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">appoints our independent registered public accounting firm;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">evaluates the independent registered public accounting firm&#8217;s qualifications, independence and performance;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">determines the engagement of the independent registered public accounting firm;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">reviews and approves the scope of the annual audit and pre-approves the audit and non-audit fees and services;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">reviews and approves all related party transactions on an ongoing basis;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">establishes procedures for the receipt, retention and treatment of any complaints received by us regarding accounting, internal accounting controls or auditing matters;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">discusses with management and the independent registered public accounting firm the annual audited financial statements and the review of our quarterly financial statements;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">pre-approves any proposed permissible non-audit services;</font>
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            <font style="letter-spacing:-0.038pt;">reviews and discusses with management and the independent registered public accounting firm our financial statements and our management&#8217;s discussion and analysis of financial condition and results of operations to be included in our annual and quarterly reports to be filed with the SEC; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">reviews the audit committee charter and the audit committee&#8217;s performance on an annual basis.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="font-size:9.5pt;letter-spacing:-0.038pt;">Our audit committee consists of Thomas Harding, Beth Leonard</font><font style="font-size:9.5pt;letter-spacing:-0.357pt;"> </font><font style="font-size:9.5pt;letter-spacing:-0.038pt;">and Ronald Vaske, with Thomas Harding serving as chair</font><font style="font-size:9.5pt;letter-spacing:-0.357pt;">. </font><font style="font-size:9.5pt;letter-spacing:-0.038pt;">Our board of directors has determined that Beth Leonard and Ronald Vaske are independent under the Listing Rules and Rule&#160;10A-3 of the Exchange Act</font><font style="font-size:9.5pt;letter-spacing:-0.357pt;">.</font><font style="font-size:9.5pt;letter-spacing:-0.038pt;"> Thomas Harding does not qualify as independent under the Listing Rules and Rule&#160;10A-3, which will require that our audit committee be composed entirely of independent members within one year of the date of this prospectus. Our board of directors has determined that Beth Leonard is an &#8220;audit committee financial expert&#8221; as such term is currently defined in Item&#160;407(d)(5) of Regulation&#160;S-K. Our board of directors has also determined that each member of our audit committee can read and understand fundamental consolidated financial statements, in accordance with applicable requirements.</font><font style="font-family:Times New Roman, Times, serif ;font-size:9.5pt;letter-spacing:0.188pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Compensation Committee</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our compensation committee oversees policies relating to the compensation and benefits of our officers and directors. Our compensation committee, among other responsibilities:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">reviews and sets or makes recommendations to our board of directors regarding the compensation of our Chief Executive Officer and other executive officers</font><font style="letter-spacing:-0.361pt;">;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">reviews and approves or makes recommendations to our board of directors regarding our incentive compensation and equity-based plans and arrangements;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">annually reviews and evaluates the compensation committee charter and will periodically review the committee&#8217;s performance</font><font style="letter-spacing:-0.361pt;">;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">reviews and discusses with management the Compensation Discussion and Analysis for inclusion in our annual reports or proxy statements to be filed with the SEC, if required; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">prepares the annual Compensation Committee Report, to the extent required.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">156</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">Our compensation committee consists of Thomas Harding, Thomas Lydon, Jr. and Ronald Vaske, with Thomas Harding serving as chair</font><font style="letter-spacing:-0.361pt;">. </font><font style="letter-spacing:-0.038pt;">Our board of directors has determined that Ronald Vaske</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">is independent under the Listing Rules.</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">We intend to avail ourselves of the &#8220;controlled company&#8221; exception under the Nasdaq rules, which exempts us from the requirement that we have a compensation committee composed entirely of independent directors.</font>
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          <font style="letter-spacing:0.475pt;">Compliance Committee</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our compliance committee oversees management&#8217;s compliance with all applicable laws and regulations, including those related to consumer compliance matters. The compliance committee assists our board of directors in fulfilling statutory and fiduciary responsibilities with respect to the oversight of regulatory and compliance matters and monitoring the Company&#8217;s compliance with corporate policies and procedures. The compliance committee oversees our compliance program and has general oversight of our compliance management with the legal requirements of our business operations and business ethics. The committee is responsible for ensuring that an open means of communication exists between our board of directors and the persons responsible for our compliance functions. Our compliance committee reports its activities to our board of directors on a regular basis and makes such recommendations as it deems necessary and appropriate. By incorporating risk review and governance into our compliance management system, this structure helps ensure that the Company follows an integrated governance risk compliance approach. Among other matters, the compliance committee:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">monitors the maintenance and enhancement of our policies and procedures, as well as our training, to ensure compliance with all legal, regulatory and consumer compliance laws, rules and regulations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">monitors the Company&#8217;s adherence to the various compliance and regulatory risks that we face;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">regularly reports to our board of directors on its evaluation of the effectiveness of our overall governance and to provides related recommendations; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">reviews and monitors our system of internal reporting and auditing, including our internal policies, procedures and controls, for compliance with all legal, regulatory and consumer compliance laws, rules and regulations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Compensation Committee Interlocks and Insider Participation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">None of the members of our compensation committee is currently, or has been at any time, one of our executive officers or employees. None of our executive officers currently serves, or has served during the last year, as a member of the board of directors or compensation committee of any entity that has one or more executive officers serving as a member of our board of directors or on our compensation committee.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Code of Business Conduct and Ethics</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In connection with this offering, our board of directors intends to adopt a written code of business conduct and ethics that applies to all of our directors, officers and employees, including our principal executive officer, principal financial officer and principal accounting officer or controller, or persons performing similar functions, and agents and representatives. The full text of our code of business conduct and ethics will be posted on our website at jcap.com upon the completion of this offering. The audit committee of our board of directors will be responsible for overseeing our code of business conduct and ethics and any waivers applicable to any director, executive officer or employee. We intend to disclose any future amendments to certain provisions of our code of business conduct and ethics, or waivers of such provisions applicable to our directors, officers and employees, including our principal executive officer, principal financial officer, principal accounting officer or controller, or persons performing similar functions, and agents and representatives, on our website identified above or in public filings.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Indemnification of Directors and Officers</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation will provide that we will indemnify our executive officers and directors to the fullest extent permitted by the DGCL. We intend to enter into indemnification agreements with each of our executive officers and directors prior to the completion of this offering. The indemnification agreements will provide the executive officers and directors with contractual rights to indemnification, expense advancement and reimbursement, to the fullest extent permitted under the DGCL, subject to certain exceptions contained in those agreements. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">157</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tEXCO">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">EXECUTIVE COMPENSATION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">This section discusses the material components of the executive compensation program for our executive officers who are named in the &#8220;Summary Compensation Table&#8221; below. In 2024, our &#8220;named executive officers&#8221; and their positions were as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.3pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">David Burton, President and Chief Executive Officer;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Mark Zellmann, President of U.S. Business Lines; and</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Penelope Person, Chief Commercial Officer.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">This discussion may contain forward-looking statements that are based on our current plans, considerations, expectations and determinations regarding future compensation programs. Actual compensation programs that we adopt following the completion of this offering may differ materially from the currently planned programs summarized in this discussion.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As we transition from a private company to a publicly traded company, we intend to evaluate our compensation plans and arrangements as circumstances require.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As an emerging growth company, we have elected to take advantage of exemptions from various reporting requirements that are applicable to public companies that are not emerging growth companies, including reduced disclosure obligations regarding executive compensation in this prospectus and, while an emerging growth company, our future periodic reports and proxy statements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Summary Compensation Table</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table sets forth information concerning the compensation of our named executive officers for the year ended December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:119.35pt;text-align:left;">
              <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name and Principal </font>
              <br >
              <font style="text-transform:uppercase;letter-spacing:0.4pt;">Position </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Year </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Salary </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Bonus </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Stock </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Awards </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Non-Equity </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Incentive Plan </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Compensation </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">All Other </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Compensation </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.083pt 0pt 0.667pt 0pt; width:119.35pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt; text-align:justify;">
                <font style="letter-spacing:-0.038pt;">David Burton</font>
                <br >
                <font style="font-style:italic;">President and Chief Executive Officer</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">2024</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">765,769</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">125,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.475pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.475pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">387,766</td>
            <td style="padding:0pt;padding-left:8.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.37pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">421,978</td>
            <td style="padding:0pt;padding-left:7.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.083pt 0pt 0.667pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,700,513</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:119.35pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt; text-align:justify;">
                <font style="letter-spacing:-0.038pt;">Mark Zellmann</font>
                <br >
                <font style="font-style:italic;">President of U.S. Business Lines</font>
              </div>
            </td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">2024</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">303,851</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">110,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.475pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.475pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">137,374</td>
            <td style="padding:0pt;padding-left:8.475pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.37pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">54,246</td>
            <td style="padding:0pt;padding-left:7.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">605,471</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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            <td style="border-bottom:0.75pt solid #000000; ;padding:1.333pt 0pt 12pt 0pt; width:119.35pt;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt; text-align:justify;">
                <font style="letter-spacing:-0.038pt;">Penelope Person</font>
                <br >
                <font style="font-style:italic;">Chief Commercial Officer</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:19.5pt; text-align:right; white-space:nowrap;">2024</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">142,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.475pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.475pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.475pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">248,062</td>
            <td style="padding:0pt;padding-left:8.475pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.37pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">46,098</td>
            <td style="padding:0pt;padding-left:7.37pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">436,160</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:4.9pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Amounts reflect the base salaries paid to each executive in 2024, including the increase in base salary Mr.&#160;Zellmann received in June&#160;2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Amounts reflect discretionary bonuses paid to Messrs. Burton and Zellmann in recognition of their significant efforts in connection with the successful completion of a planned portfolio acquisition. For additional information, see &#8220;Elements of the Company&#8217;s Executive Compensation Program-Cash Incentive Compensation</font><font style="letter-spacing:-0.266pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.028pt;">2024 Discretionary Bonuses&#8221; below.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Amounts reflect performance-based annual bonuses earned by Messrs. Burton and Zellmann for 2024, as well as performance-based commissions earned by Ms.&#160;Person for 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.266pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">For Mr.&#160;Burton, amount reflects (a)&#160;dividends paid on Class&#160;B Units in the amount of $408,498, (b)&#160;401(k) matching contributions in the amount of $5,815, and (c)&#160;Young Presidents Organization member dues paid on his behalf in the amount of $7,665. For Mr.&#160;Zellmann, amount reflects (a)&#160;dividends paid on Class&#160;B Units in the amount of $48,375 and (b)&#160;401(k) matching contributions in the amount of $5,871. For Ms.&#160;Person, amount reflects (a)&#160;dividends paid on Class&#160;B Units in the amount of $43,000 and (b)&#160;401(k) matching contributions in the amount of $3,098.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Elements of the Company&#8217;s Executive Compensation Program</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">For the year ended December&#160;31, 2024, the compensation for our named executive officers generally consisted of a base salary, incentive-based compensation, employee benefits and a 401(k) plan. These elements (and the amounts of compensation and benefits under each element) were selected because we </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">158</font>
          <br >
        </div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">believe they are necessary to help us attract and retain executive talent which is fundamental to our success. Below is a more detailed summary of the current executive compensation program as it relates to our named executive officers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">2024 Salaries</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The named executive officers receive a base salary to compensate them for services rendered to our Company. The base salary payable to each named executive officer is intended to provide a fixed component of compensation reflecting the executive&#8217;s skill set, experience, role and responsibilities. On June&#160;1, 2024, Mr.&#160;Zellmann received an increase in his annual base salary from $275,000 to $325,009. The actual base salaries paid to each named executive officer for 2024 are set forth above in the Summary Compensation Table above in the column entitled &#8220;Salary.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Cash Incentive Compensation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:11.5pt;font-style:italic;">2024 Annual Bonuses<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In 2024, Messrs. Burton and Zellmann were eligible to receive performance-based bonuses from the Company. Mr.&#160;Burton was eligible to earn a target annual bonus in an amount equal to 50% of his annual base salary, and Mr.&#160;Zellmann was eligible to earn a target bonus in an aggregate amount equal to 50% of his annual base salary, half of which is paid on a quarterly basis and the remaining half of which is paid on an annual basis following the end of the fiscal year, respectively. Actual bonus payments are determined by the Company based on achievement of company financial targets as well as individual financial and operational goals established for each executive. Annual bonus amounts earned for 2024 by each executive are set forth above in the Summary Compensation Table in the column entitled &#8220;Non-Equity Incentive Plan&#160;Compensation.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Commission Payments<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In 2024, Ms.&#160;Person was eligible to earn monthly commissions based on the achievement of specified deployment targets, with an uncapped commission opportunity. For 2024, Ms.&#160;Person earned aggregate commission of $248,062.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">2024 Discretionary Bonuses<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In 2024, the Company awarded Messrs. Burton and Zellmann discretionary bonus payments in connection with their efforts towards the successful completion of a planned portfolio acquisition by the Company, which required significant effort outside the named executive officer&#8217;s normal responsibilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Equity Compensation</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <div style="margin-top:6pt; width:456pt; line-height:11pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
            <font style="letter-spacing:0.475pt;">Existing Equity Plans&#8201;&#8211;&#8201;JCAP TopCo, LLC 2018 Underlying Units Plan and Management Invest, LLC 2018 Management Incentive Plan</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Equity-based awards for the named executive officers were granted in the form of profits interests, which entitle the holder to a portion of the profits and appreciation in the equity value of JCAP TopCo, LLC arising after the date of grant.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">We currently maintain the JCAP Topco, LLC 2018 Underlying Units Plan (the &#8220;JCAP Plan&#8221;) and the Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC 2018 Management Incentive Plan (the &#8220;Management Invest Plan&#8221;). Pursuant to the JCAP Plan, JCAP TopCo, LLC may issue awards of Class&#160;B Units to Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC, which in turn issues corresponding awards of Class&#160;B Units in Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC under the Management Invest Plan to employees and directors of JCAP TopCo, LLC and its subsidiaries, including our named executive officers. Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC was formed as a separate company to hold the equity interests granted to these individuals in order to allow such individuals to hold&#160;units which mirror the economics of&#160;units directly in JCAP TopCo, LLC, while avoiding certain adverse tax and employment consequences that could have otherwise applied. The Class&#160;B Units granted pursuant to these plans are intended to constitute profits interests for federal income tax purposes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Class&#160;B Units are generally comprised of four generally equivalent tiers, pursuant to which each tier has a different distribution threshold. The distribution thresholds represent the distributions that must be paid to each Class&#160;A Unit before a holder is entitled to receive any distributions or payments in respect of such holder&#8217;s&#160;units.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">The material terms of the JCAP Plan and Management Invest Plan are each summarized below. This summary is not a complete description of all provisions of the JCAP Plan or the Management Invest Plan, respectively</font><font style="letter-spacing:-0.361pt;">, </font>
          </div>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">159</font>
          <br >
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">and is qualified in its entirety by reference to each of the JCAP Plan and Management Invest Plan, respectively, which will be filed as exhibits to the registration statement of which this prospectus is a part.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">JCAP TopCo, LLC Plan</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:11pt; width:456pt; line-height:11.5pt;font-style:italic;">Eligibility and Administration<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>

          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Prior to the Reorganization, the JCAP Plan was administered by the board of managers of JCAP TopCo, LLC, which may delegate its duties and responsibilities to a subcommittee of the board (referred to collectively as the plan administrator below). All awards issued under the JCAP Plan were issued to Management Invest</font><font style="letter-spacing:-0.361pt;">, LLC. </font><font style="letter-spacing:-0.038pt;">As part of the Reorganization, the JCAP Plan will be terminated and no awards will remain outstanding and subject to the JCAP Plan.</font>
          </div>

        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Awards<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The JCAP Plan provides for the grant of Class&#160;B Units in JCAP TopCo, LLC. All awards under the JCAP Plan are evidenced by underlying unit award agreements, which detail the terms and conditions of the awards. Each award covers up to four tranches of Class&#160;B Units.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Plan&#160;Amendment and Termination<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The board of managers of JCAP TopCo, LLC may modify, amend, suspend or terminate the JCAP Plan at any time; provided, that no such action may adversely affect rights in any material respect under any outstanding award without the consent of the holder of the award.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Management Invest Plan</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:11pt; width:456pt; line-height:11.5pt;font-style:italic;">Eligibility and Administration<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>

          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The employees and directors involved in the business of Management Invest</font><font style="letter-spacing:-0.361pt;">, LLC,</font><font style="letter-spacing:-0.038pt;"> or JCAP TopCo, LLC and its subsidiaries are eligible to receive awards under the Management Invest Plan. The Management Invest Plan is administered by JCF JCAP Holdco II LLC (&#8220;Manager&#8221;). The Manager has the authority to make all determinations and interpretations under, correct any defect or omission or reconcile any inconsistency in, and adopt rules for the administration of, the Management Invest Plan, subject to its express terms and conditions. The Manager also sets the terms and conditions of all awards under the Management Invest Plan, including any vesting conditions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Awards<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>

          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The Management Invest Plan provides for the offer and sale of Class&#160;A Units and Class C Units and the grant of Class&#160;B Units in Management Invest</font><font style="letter-spacing:-0.361pt;">, LLC.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">All issuances of Class&#160;A Units and Class C Units are evidenced by unit purchase agreements and all awards of Class&#160;B Units are evidenced by unit award agreements, which detail the terms and conditions of the awards. The Class&#160;B Units awarded under the Management Invest Plan are treated as profits interests for federal income tax purposes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Plan&#160;Amendment and Termination<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Manager may modify, amend, suspend or terminate the Management Invest Plan at any time; provided, that no such action may adversely affect rights in any material respect under any outstanding award without the consent of the holder of the award.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Class&#160;B Unit Grants</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In 2024, none of our named executive officers received any Class&#160;B Units. As described in further detail below in the Outstanding Equity Awards at Fiscal Year End Table and related footnotes, on October&#160;30, 2018 we granted Class&#160;B Units in Management Invest</font><font style="letter-spacing:-0.361pt;">,</font><font style="letter-spacing:-0.038pt;"> LLC to each of our named executive officers. Mr.&#160;Burton was granted 11,628,343&#160;units, Mr.&#160;Zellmann was granted 1,377,041&#160;units and Ms.&#160;Person was granted 1,224,036&#160;units, respectively, of which 24% (&#8220;Tier I Units&#8221;) had an original distribution threshold of $1.00 per unit, 24% (&#8220;Tier II Units&#8221;) had an original distribution threshold of $2.00 per unit, 26%</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">(&#8220;Tier III Units&#8221;) had a distribution threshold of $2.50 per unit and 26% (&#8220;Tier IV Units&#8221;) had a distribution threshold of $3.00 per unit. In addition, Mr.&#160;Zellmann was granted an additional award of 550,000 Class&#160;B Units on July&#160;20, 2021, which was also divided into four tiers as follows: 125,000 Tier I Units, which had an original distribution threshold of $2.47&#160;per unit, 125,000 Tier II Units, which had an original distribution threshold of $3.15 </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">160</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">per unit, 150,000 Tier III Units, which had an original distribution threshold of $3.50 per unit and 150,000 Tier IV Units, which had an original distribution threshold of $3.75 per unit.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">With respect to the awards, 50% of the Tier I and Tier II Units vest in five equal installments on each of the first five anniversaries of March&#160;23, 2018 (or, with respect to Mr.&#160;Zellmann&#8217;s 2021 award, the date of his promotion to the position of Managing Director), subject to continued service through the applicable vesting dates; provided that such awards will accelerate and fully vest upon a &#8220;Change of Control.&#8221; The remaining 50% of such Tier I and Tier II Units vest upon a Change of Control in the event the applicable distribution threshold is achieved in connection therewith. All of the Tier III and Tier IV Units will vest upon a Change of Control in the event that the applicable distribution threshold is achieved as well as the achievement by J.C.&#160;Flowers &amp; Co. LLC and its applicable affiliates of an IRR equal to or greater than 17</font><font style="letter-spacing:-0.361pt;">.0</font><font style="letter-spacing:-0.038pt;">% in connection with such Change of Control.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">For purposes of the Class&#160;B Units, &#8220;Change of Control&#8221; generally means (i)&#160;any transaction or series of related transactions (whether by a transfer, sale, merger, consolidation, recapitalization, reclassification or similar transaction, and whether or not JCAP TopCo, LLC is a party thereto) in which, after giving effect to such transaction or transactions, the equity securities (meaning (i)&#160;any unit, capital stock, partnership or limited liability company interests or other equity interests (including profits interests) and any class, group or series thereof, (ii)&#160;obligations, evidences of indebtedness or other securities or interests convertible into or exchangeable for&#160;units, capital stock, partnership or limited liability company interests or other equity interests (including profits interests), and (iii)&#160;warrants, options or other rights to purchase or otherwise acquire&#160;units, capital stock, partnership or limited liability company interests or other equity interests (including profits interests)) representing in excess of 50</font><font style="letter-spacing:-0.361pt;">.0</font><font style="letter-spacing:-0.038pt;">% of the Class&#160;A Units and Class&#160;C Units of JCAP TopCo, LLC are owned directly or indirectly through one or more entities, by any &#8220;person&#8221; or &#8220;group&#8221; &#8203;(as such terms are used in Section&#160;13(d) of the Exchange Act) of persons, other than JCF JCAP Holdco II LLC and the holders of equity securities of or any successor or other entity through which J.C. Flowers &amp; Co. LLC or its affiliates hold (directly or indirectly) any equity securities in JCAP TopCo, LLC or any of their permitted transferees or (ii)&#160;a sale, lease or other disposition of all or substantially all of the assets of JCAP TopCo, LLC and its subsidiaries on a consolidated basis (which may include securities of JCAP TopCo, LLC&#8217;s directly or indirectly owned subsidiaries) to one or more purchasers other than the members of JCAP TopCo, LLC or their affiliates or permitted transferees.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We previously determined to pay out dividends, including on July&#160;11, 2024 and November&#160;15, 2024, with respect to our equityholders (including our vested and unvested Class&#160;B Unit holders). In connection with these dividends, each of our named executive officers received aggregate distributions in respect of their Class&#160;B Units of: $408,498 for Mr.&#160;Burton, $48,375 for Mr.&#160;Zellmann and $43,000 for Ms.&#160;Person, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In connection with certain transactions and events, including the Reorganization, that affect the Class&#160;B Units, the Class&#160;B Unit grant documents provide for broad discretion to take action to prevent the dilution or enlargement of intended benefits with respect to any Class&#160;B Units granted thereunder.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">As part of the Reorganization, all of the Class&#160;B Units issued pursuant to the Management Invest Plan will be crystalized and converted into shares of common stock on the basis of the same </font><font style="letter-spacing:-0.361pt;">2.4150549</font><font style="letter-spacing:-0.038pt;"> exchange ratio used to convert the Class A Units and Class C Units. The conversion will take into account the number of Class&#160;B Units held, the applicable distribution threshold and the value of the distributions that the holder would have been entitled to receive through their indirect ownership interest in JCAP TopCo, LLC had JCAP TopCo, LLC been liquidated on the date of such conversion in accordance with the terms of the distribution waterfall set forth in the JCAP TopCo LLC Agreement. If in-the-money, the Class B Units will be converted into a number of shares based on the respective distribution thresholds and terms of such awards, and if out-of-the-money will be canceled. For Class&#160;B Units that are in-the-money but unvested and subject to solely time vesting requirements, such Class&#160;B Units will be converted into shares of restricted stock and subject to the same time vesting requirements that the corresponding Class&#160;B Units were subject to prior to the Reorganization. For Class&#160;B Units that are&#160;in-the-money but unvested and subject to performance vesting requirements, those will be converted into shares of restricted stock and subject to a three</font><font style="letter-spacing:-0.361pt;">-</font><font style="letter-spacing:-0.038pt;">year time-vesting requirement with one-third of the restricted shares vesting on the first anniversary of this offering, an additional one-third vesting on the second anniversary of this offering and a final third vesting on the third anniversary of this offering, subject to continued service through the applicable vesting dates (provided, that any such unvested shares of restricted stock will be subject to acceleration in the event of a holder&#8217;s termination of service without </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">161</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <div style="width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">cause or due to such holder&#8217;s death or disability). The conversion of such in-the-money unvested Class&#160;B Units will be evidenced by individual restricted stock agreements and are not being issued under the 2025 Plan. Holders of converted restricted stock awards will be eligible to receive dividends in the event the Company determines to pay dividends in respect of its common stock. For Class&#160;B Units that are in-the-money and fully vested, those will be converted into shares of unrestricted common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">With respect to Class&#160;B Units that are out-of-the-money and would be canceled in the Reorganization, we expect to issue new stock options under the 2025 Incentive Award Plan to the employee and director holders of such canceled Class&#160;B Units to put them in an approximately equivalent economic position in terms of number of options and exercise prices as they would be in if their Class&#160;B Units were not canceled and instead exchanged for new options. Such options are expected to be granted effective as of immediately following the determination of the initial public offering price per share of our common stock and will be in an amount equal to the number of the out-of-the-money Class&#160;B Units that were canceled multiplied by the exchange ratio and will have an exercise price per share equal to the distribution threshold of the out-of-the-money Class&#160;B Units multiplied by the exchange ratio (or if greater, the initial public offering price per share of our common stock). The options will be subject to the same time-vesting requirements that the corresponding Class B Units were subject to prior to the Reorganization. In connection with this offering, we expect an aggregate of </font><font style="letter-spacing:-0.361pt;">457,544</font><font style="letter-spacing:-0.038pt;"> options will be issued and all will be out-of-the-money at the initial public offering price per share with a weighted average exercise price of $</font><font style="letter-spacing:-0.361pt;">24.81</font><font style="letter-spacing:-0.038pt;"> per share.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The following table sets forth the assumed number of vested shares of our common stock and unvested restricted shares of our common stock that each of our NEOs and the other groups indicated below will receive upon conversion of their vested and unvested Class B Units, in each case based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, the mid-point of the estimated offering price range set forth on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;height:30.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:235.51pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
                <div style="text-align:center; line-height:10.5pt; padding-bottom:0.833333333333333pt;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">VESTED SHARES</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">RECEIVED UPON</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CONVERSION OF VESTED</font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CLASS B UNITS (#)</font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Unvested Restricted Shares</font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Received Upon Conversion of</font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Unvested Class B Units</font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name</font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">In respect</font>
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                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Time-</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Based Class B </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Units (#)</font>
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              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">In respect of</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Performance-</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Based Class B </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Units (#)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(4)</font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">David Burton</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font> </div>
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              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,098,744</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">3,098,776</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:235.51pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Mark Zellman</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font> </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">154,096</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">15,988</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">487,577 </td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:235.51pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Penelope Person</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(3)</font> </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">115,657</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">326,186</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:235.51pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Other current employees as a group</font> </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">1,260,739</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">283,799</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">2,346,657 </td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:2.75pt 0pt 12pt 0pt; width:235.51pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">All current employees as a group </font> </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">2,629,236</td>
              <td style="padding:0pt;padding-left:17.02pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">299,787</td>
              <td style="padding:0pt;padding-left:7.145pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:42pt; text-align:right; white-space:nowrap;">6,259,196</td>
              <td style="padding:0pt;padding-left:2.795pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.69pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:5.69pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">All of Mr. Burton&#8217;s Class B Units which were subject solely to time-based vesting have fully time-vested as of the date hereof</font><font style="letter-spacing:-0.266pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">The restricted stock issued to Mr. Zellmann in conversion of his Class B Units subject solely to time-based vesting will vest as follows: </font><font style="letter-spacing:-0.266pt;">7,994&#160;</font><font style="letter-spacing:-0.028pt;">shares on each of July 20, 2025 and July 20, 2026.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(3)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">All of Ms. Person&#8217;s Class B Units which were subject solely to time-based vesting have fully time-vested as of the date hereof.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:6.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(4)</font>
            <br >
          </div>
          <div style=" margin-top:6.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">All restricted shares received upon conversion of Class B Units subject solely to performance-based vesting requirements will be subject to a three-year time-vesting period beginning on the date of consummation of this offering.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">The following table sets forth the assumed number of nonqualified stock options that will be issued to the groups indicated below in connection with this offering, assuming an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font>&#160;</div>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">162</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">

          <div style="width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">per share, the mid-point of the estimated offering price range set forth on the cover page of this prospectus</font><font style="letter-spacing:-0.361pt;">. </font><font style="letter-spacing:-0.038pt;">No options will be issued to our NEOs.</font>
          </div>


          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:339.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Number of</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Options </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">WEIGHTED </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">AVERAGE </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">EXERCISE PRICE </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:339.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">David Burton </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8201;&#8212;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:339.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Mark Zellman </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8201;&#8212;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:339.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Penelope Person </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8201;&#8212;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:339.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Other current employees as a group</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">457,544 </td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">24.81</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:2.75pt 0pt 12pt 0pt; width:339.09pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">All employees as a group </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:35.25pt; text-align:right; white-space:nowrap;">457,544 </td>
              <td style="padding:0pt;padding-left:0.695pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">24.81</td>
              <td style="padding:0pt;padding-left:10.945pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The number of shares of vested and unvested common stock to be issued upon conversion of the Class&#160;B Units and the grant of the stock options will be affected if the initial public offering price per share of common stock differs from the mid-point of the price range for our common stock set forth on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">No other awards will be issued under the new 2025 Incentive Award Plan as part of this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">2025 Incentive Award Plan</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In connection with this offering, we adopted the 2025 Plan, under which we may grant cash and equity incentive awards to eligible service providers in order to attract, motivate and retain the talent for which we compete.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Other Elements of Compensation</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Retirement Plans</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We maintain a 401(k) retirement savings plan (the &#8220;401(k) Plan&#8221;) for our employees, including our named executive officers, who satisfy certain eligibility requirements. Our named executive officers are eligible to participate in the 401(k) Plan on the same terms as other full-time employees. The Internal Revenue Code allows eligible employees to defer a portion of their compensation, within prescribed limits, on a pre-tax basis through contributions to the 401(k) Plan. Currently, we match contributions made by participants in the 401(k) Plan up to a specified&#160;percentage of the employee contributions, and these matching contributions are fully vested as of the date on which the contribution is made. We believe that providing a vehicle for tax-deferred retirement savings though our 401(k) Plan, and making fully vested matching contributions, adds to the overall desirability of our executive compensation package and further incentivizes our employees, including our named executive officers, in accordance with our compensation policies. We do not maintain any defined benefit pension plans or deferred compensation plans for our named executive officers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Employee Benefits and Perquisites</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:7pt; width:456pt; line-height:11.5pt;font-style:italic;">Health/Welfare Plans.<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">All of our full-time employees, including our named executive officers, are eligible to participate in our health and welfare plans, including:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">medical, dental and vision benefits;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">medical and dependent care flexible spending accounts;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">short-term and long-term disability insurance; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">life insurance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">No Tax Gross-Ups</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We do not make gross-up payments to cover our named executive officers&#8217; personal income taxes that may pertain to any of the compensation or perquisites paid or provided by our company. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">163</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Outstanding Equity Awards at Fiscal Year-End</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the number of Class&#160;B Units held by each named executive officer as of December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:87.26pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Grant Date </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Number of Class&#160;B </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Units That Have </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Not Vested (#)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market Value of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Class&#160;B Units </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">That Have Not </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Vested ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(6)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Equity Incentive </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Plan&#160;Awards: </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Number of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Unearned Class&#160;B </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Units That </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Have Not </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Vested (#)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Equity incentive </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Plan&#160;Awards: </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Market Value of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Unearned Class&#160;B </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Units That </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Have Not </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Vested ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(6)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:87.26pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">David Burton </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">3/23/2018<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(3)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">8,848,508<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(5)</font> </font></td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">5,047,362</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:87.26pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Mark Zellmann </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">3/23/2018<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(3)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,047,850<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(5)</font> </font></td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">597,714</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:87.26pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">7/20/2021<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(3)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">50,000<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(4)</font> </font></td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">10,500</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">425,000</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">26,250</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:87.26pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Penelope Person </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">3/23/2018<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(3)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.715pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:14.565pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">931,422<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(5)</font> </font></td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">531,301</td>
            <td style="padding:0pt;padding-left:9.905pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:4.7pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">&#8220;Number of Class&#160;B Units That Have Not Vested&#8221; represents time-vesting Class&#160;B Units that were unvested as of December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">&#8220;Equity Incentive Plan&#160;Awards: Number of Unearned Class&#160;B Units That Have Not Vested&#8221; represents performance-vesting Class&#160;B Units that were unvested as of December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">These Class&#160;B Units were intended to be issued as &#8220;profits interests&#8221; for U.S. federal income tax purposes and did not require the payment of an exercise price, but rather entitled the holder to participate in our future appreciation from and after the date of grant of the applicable&#160;units. Each Class&#160;B Unit was granted with an applicable distribution threshold, which represented the distributions that were required to have been made by us before a grantee would have been entitled to receive any distributions or payments in respect of such grantee&#8217;s Class&#160;B Units. The distribution thresholds for the awards set forth above are as follows as of December&#160;31, 2024: (i)&#160;with respect to the awards granted in 2018, Tier I Units had a distribution threshold of $1.00 per unit, Tier II Units had a distribution threshold of $2.00 per unit, Tier III Units had a distribution threshold of $2.50 per unit and Tier IV Units had a distribution threshold of $3.00 per unit and (ii)&#160;with respect to the award granted to Mr.&#160;Zellmann in 2021, Tier I Units had a distribution threshold of $2.47 per unit, Tier II Units had a distribution threshold of $3.15 per unit, Tier III Units had a distribution threshold of $3.50 and Tier IV Units had a distribution threshold of $3.75.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Vesting occurs as follows: (i)&#160;45.5% of the Class&#160;B Units are prorated among Tier I and Tier II units of which 50% vest in five equal installments on each of the first five anniversaries of March&#160;1, 2022, subject to Mr.&#160;Zellmann&#8217;s continued employment through each vesting date, and 50% vest upon a Change of Control subject to the achievement of the applicable distribution thresholds and (ii)&#160;54.5% of the Class&#160;B Units are prorated among Tier III and Tier IV units which vest upon a Change of Control and an IRR of 17% or greater.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Vesting occurs as follows: (i)&#160;48% of the Class&#160;B Units are prorated among Tier I and Tier II units of which 50% of such&#160;units vest in five equal installments on each of the first five anniversaries of March&#160;23, 2018, subject to the named executive officer&#8217;s continued employment through the vesting date, and 50% vest upon a Change of Control subject to the achievement of the applicable distribution thresholds and (ii)&#160;52% of the Class&#160;B Units are prorated among Tier III and Tier IV units which vest upon a Change of Control subject to the achievement of the applicable distribution thresholds and an IRR of 17% or greater.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(6)</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">There is no public market for the Class&#160;B Units. The amounts reported above reflect the intrinsic value of the profits interests as of December&#160;31, 2024, based upon the Company&#8217;s valuation as of December&#160;31, 2024 (assuming that the Company would have ascribed value to unvested Class&#160;B Units in the same manner as vested Class&#160;B Units).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Executive Compensation Arrangements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We are party to an employment agreement with Mr. Burton, as further described below. We have not entered into employment agreements with our other named executive officers Mr. Zellmann and Ms. Person.</font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">David Burton<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>

          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">On March&#160;20, 2018, CL Holdings, LLC and FMT Services, LLC (collectively, the &#8220;Employer&#8221;) entered into an amended and restated employment agreement with Mr.&#160;Burton (the &#8220;Burton Employment Agreement&#8221;), providing for his position as Chief Executive Officer of the Employer. Mr.&#160;Burton&#8217;s employment with the Employer is at-will.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Burton Employment Agreement provides that Mr.&#160;Burton will be entitled to an initial annual base salary of $600,000, which will be reviewed on an annual basis for merit-based increases of up to 5%. The Burton Employment Agreement also provides that Mr.&#160;Burton will be entitled to receive an annual target bonus equal to fifty (50%) of his annual base salary currently in effect, which shall be conditioned upon, among other things, Mr.&#160;Burton&#8217;s performance and the performance of the Employer. Mr.&#160;Burton is also entitled to receive (i)&#160;first class and/or business class air travel for all business travel on behalf of the Employer and (ii)&#160;reimbursement for his dues and expenses with respect to the Young Presidents&#8217; Organization.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Burton Employment Agreement also provides that upon termination of Mr.&#160;Burton&#8217;s employment by the Employer without Cause (as defined below) and upon his resignation for Good Reason (as defined below), </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">164</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:51.83pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">subject to Mr.&#160;Burton&#8217;s execution and non-revocation of a release of claims, Mr.&#160;Burton will be entitled to receive, in addition to any accrued amounts, his annual base salary for a period of 18&#160;months.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">As defined in the Burton Employment Agreement, &#8220;Cause&#8221; generally means (i)&#160;Mr.&#160;Burton&#8217;s conviction or entry of a plea of guilty or nolo contendere plea for a felony, a crime involving moral turpitude or any other act or omission involving dishonesty, breach of Mr.&#160;Burton&#8217;s duty of loyalty, or fraud with respect to CL Holdings, LLC and FMT Services, LLC or any of its subsidiaries or affiliates or any of their employees or which has had or would have a material negative effect upon the Employer or any of its subsidiaries or affiliates, (ii)&#160;substantial and repeated failure by Mr.&#160;Burton to perform duties of the office held by Mr.&#160;Burton or as reasonably directed by the board of managers of CL Holdings, LLC, (iii)&#160;gross negligence, willful misconduct or breach of fiduciary duty with respect to the Employer or any of its respective subsidiaries or affiliates or any of their customers, suppliers, employees or other business relation, (iv)&#160;a material failure to observe policies or standards regarding employment practices (including, without limitation, nondiscrimination, sexual harassment and alcohol and drug-use policies), in each case, as approved by the board of managers of CL Holdings, LLC from time to time, (v)&#160;any conduct causing the Employer or any of its subsidiaries or affiliates substantial public disgrace or disrepute or substantial economic harm and/or (vi)&#160;a material breach by Mr.&#160;Burton of the Burton Employment Agreement which, if susceptible of cure, has not been cured within ten business days after notice of the breach has been delivered to Mr.&#160;Burton in writing.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">As defined in the Burton Employment Agreement, &#8220;Good Reason&#8221; generally means (i)&#160;a reduction in Mr.&#160;Burton&#8217;s then-effective annual base salary (except in connection with a general reduction of the salaries of the senior executives of the Employer or its subsidiaries, and his reduction is 10% or less), (ii)&#160;the Employer&#8217;s failure to timely pay Mr.&#160;Burton&#8217;s annual base salary and annual bonus, (iii)&#160;Mr.&#160;Burton being removed as Chief Executive Officer of the Employer or being required to report to someone other than the Employer&#8217;s board of directors or (iv)&#160;relocation of Mr.&#160;Burton&#8217;s principal office to a location which more than fifty (50) miles outside of the Minneapolis, Minnesota metropolitan area. Notwithstanding the foregoing, Mr.&#160;Burton will not be deemed to have resigned for Good Reason unless (i)&#160;Mr.&#160;Burton provides the Employer with written notice of the existence of Good Reason within thirty (30) days of the initial existence of such event, (ii)&#160;the Employer has been given an opportunity to cure any of the foregoing within thirty (30) days following Mr.&#160;Burton&#8217;s delivery to the Employer of such written notice, and (iii)&#160;Mr.&#160;Burton&#8217;s resigns from the Employer within forty-five (45)&#160;days following the expiration of the Employer&#8217;s thirty (30) day cure period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The Burton Employment Agreement includes confidentiality and assignment of intellectual property provisions and certain restrictive covenants, including eighteen (18) month post-employment non-competition and non-solicitation of employees and customers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Director Compensation</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
            <font style="letter-spacing:-0.038pt;">In 2024, we paid certain of our directors an annual cash retainer fee of $30,000, paid quarterly. In addition, in connection with her commencement of service on our board of directors, we granted 200,000 Class&#160;B Units to Beth Leonard, which vest as follows: the Class&#160;B Units are prorated evenly between Tier I Units (which have a distribution threshold of $4.25 per unit) and Tier II Units (which have a distribution threshold of $7.50 per unit), of which (i)&#160;50% of the Tier I Units and Tier II Units vest in five equal installments on each of the first five anniversaries of October&#160;2, 2024, subject to Ms.&#160;Leonard&#8217;s continued service through each vesting date, and (ii)&#160;the remaining 50% of the&#160;units vest upon a Change of Control subject to the achievement of the applicable distribution thresholds. We did not grant any other equity or non-equity awards to our directors in 2024. We do not provide any compensation to Thomas Harding, Thomas Lydon, Jr. or Andrew Szemenyei for their service on our board of directors. Mr. Szemenyei resigned from our board of directors in May&#160;2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">165</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table sets forth information concerning the compensation of our non-employee directors for the year ended December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Fees Earned </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">or Paid in </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Cash ($) </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Stock Awards </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(2)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total ($) </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Thomas Harding </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">John Oros </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">30,000</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">30,000</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Christopher Giles </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">30,000</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">30,000</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Ronald Vaske </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">30,000</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">30,000</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Andrew Szemenyei </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Thomas Lydon, Jr. </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:290.95pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Beth Leonard</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:26.25pt; text-align:right; white-space:nowrap;">7,500</td>
              <td style="padding:0pt;padding-left:6.27pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:9pt; text-align:right; white-space:nowrap;">&#8212;<font style="position:absolute;"><font style=" position:relative; bottom:3pt;font-size:6pt;">(2)</font> </font></td>
              <td style="padding:0pt;padding-left:21.48pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:26.25pt; text-align:right; white-space:nowrap;">7,500</td>
              <td style="padding:0pt;padding-left:0.115pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.31pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.31pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Ms.&#160;Leonard joined the board in October&#160;2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:3.21pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:3.21pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Amount reflects the grant date fair value of the Class B Units awarded to Ms. Leonard on October 1, 2024, computed in accordance with FASB ASC Topic&#160;718, rather than the amounts paid to or realized by the named individual. We provide information regarding the assumptions used to calculate the value of the Class B Units in Note 9 to the audited consolidated financial statements included elsewhere in this prospectus.</font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="margin-top:6.42pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">The table below shows the aggregate numbers of Class B Units held by each non-employee director as of December</font><font style="letter-spacing:-0.361pt;"> 31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:344.28pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Class B Units Outstanding </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">at Fiscal Year End </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:344.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Christopher Giles </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:31pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">200,008</td>
            <td style="padding:0pt;padding-left:31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Ronald Vaske </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:31pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">100,004</td>
            <td style="padding:0pt;padding-left:31pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:344.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Beth Leonard </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:31pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">200,000</td>
            <td style="padding:0pt;padding-left:31pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>

          <div style="margin-top:5.81pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">In connection with this offering, we approved a compensation program for our non-employee directors pursuant to which our non-employee directors will continue to receive an annual cash retainer fee of $30,000, as well as that members of the audit committee will receive an additional annual cash retainer fee of $8,000, paid quarterly.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Christopher Giles, Ronald Vaske and Beth Leonard are the only non-employee directors who currently hold Class B Units.</font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">The following table sets forth the assumed number of vested shares of our common stock and unvested restricted shares of our common stock that each of Messrs. Giles and Vaske and Ms. Leonard will receive upon conversion of their vested and unvested Class B Units, in each case based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, the mid-point of the estimated offering price range set forth on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>


          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;height:30.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:239.53pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4" rowspan="2">
                <div style="text-align:center; line-height:10.5pt; padding-bottom:0.833333333333333pt;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">VESTED SHARES</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">RECEIVED UPON</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CONVERSTION OF VESTED</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">CLASS B UNITS (#)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Unvested Restricted Shares</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Received Upon Conversion of</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Unvested Class B Units</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;height:55.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt; width:239.53pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">In respect </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Time-</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Based </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Class B </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Units (#)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">In respect of</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Performance-</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Based </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Class B </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Units (#)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(4)</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:239.53pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Christopher Giles</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font> </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:26.275pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">39,513 </td>
              <td style="padding:0pt;padding-left:26.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.73pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.73pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.27pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">39,513 </td>
              <td style="padding:0pt;padding-left:11.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:239.53pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Ronald Vaske</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(2)</font> </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:26.275pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">19,763 </td>
              <td style="padding:0pt;padding-left:26.275pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.73pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:7.73pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.27pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">19,763 </td>
              <td style="padding:0pt;padding-left:11.27pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:239.53pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Beth Leonard</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(3)</font> </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:26.275pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:26.275pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:7.73pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">8,549</td>
              <td style="padding:0pt;padding-left:7.73pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.27pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">8,550</td>
              <td style="padding:0pt;padding-left:11.27pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <font style="letter-spacing:-0.266pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:3.11pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">All of Mr. Giles&#8217; Class B Units which were subject solely to time-based vesting have fully time-vested as of the date hereof.</font>
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      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">166</font>
          <br >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">

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          <div style=" float:left; line-height:8.3pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(2)</font>
            <br >
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          <div style=" line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">All of Mr. Vaske&#8217;s Class B Units which were subject solely to time-based vesting have fully time-vested as of the date hereof.</font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(3)</font>
            <br >
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          <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">The restricted stock issued to Ms. Leonard in conversion of her Class B Units subject solely to time-based vesting will vest annually in five ratable installments beginning November 6, 2025 and ending on (and including) November 6, 2029.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
            <font style="letter-spacing:-0.266pt;">(4)</font>
            <br >
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          <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">All restricted shares received upon conversion of Class B Units subject solely to performance-based vesting requirements will be subject to a three-year time-vesting period beginning on the date of consummation of this offering.</font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Assuming an initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, the mid-point of the estimated offering price range set forth on the cover page of this prospectus, Ms. Leonard will receive </font><font style="letter-spacing:-0.361pt;">41,406</font><font style="letter-spacing:-0.038pt;"> options with an exercise price of $</font><font style="letter-spacing:-0.361pt;">17.24.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We do not expect that Messrs. Giles and Vaske will receive any stock options, as all of their Class B Units are expected to be in-the-money.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The number of shares of vested and unvested common stock to be issued upon conversion of the Class&#160;B Units and the grant of the stock options will be affected if the initial public offering price per share of common stock differs from the midpoint of the price range for our common stock set forth on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Clawback Policy</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In connection with this offering, our board of directors adopted a compensation recovery policy that is compliant with the listing rules of the Nasdaq, as required by the Dodd-Frank Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">2025 Incentive Award Plan</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In connection with this offering, we adopted the 2025 Plan subject to the approval of our stockholders, under which we may grant cash and equity-based incentive awards to eligible service providers in order to attract, motivate and retain the talent for which we compete. The material terms of the 2025 Plan are summarized below. This summary is not a complete description of all provisions of the 2025 Plan and is qualified in its entirety by reference to the 2025 Plan, which will be filed as an exhibit to the registration statement of which this prospectus is a part.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Eligibility and Administration</div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our employees, consultants and directors, and employees, consultants and directors of our subsidiaries are eligible to receive awards under the 2025 Plan. The 2025 Plan is expected to be initially administered by our board of directors, which may delegate its duties and responsibilities to committees of our directors and/or officers (referred to collectively as the plan administrator below), subject to certain limitations that may be imposed under the 2025 Plan, Section 16 of the Exchange Act, and/or stock exchange rules, as applicable. The plan administrator has the authority to make all determinations and interpretations under, prescribe all&#160;forms for use with, and adopt rules for the administration of, the 2025 Plan, subject to its express terms and conditions. The plan administrator will also set the terms and conditions of all awards under the 2025 Plan, including any vesting and vesting acceleration conditions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Limitation on Awards and Shares Available</div>

          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The maximum number of shares of our common stock available for issuance under the 2025 Plan is equal to the sum of (a)&#160;a number of shares equal to ten percent (10.0%) of the common stock outstanding as of this offering (calculated on an as-converted basis</font><font style="letter-spacing:-0.361pt;">)</font><font style="letter-spacing:-0.038pt;">; and (b) an annual increase on the first day of each calendar year beginning January 1, 2026 and ending on and including January 1, 2035, equal to the lesser of (i)&#160;five percent (</font><font style="letter-spacing:-0.361pt;">5.0%)</font><font style="letter-spacing:-0.038pt;"> of the aggregate number of shares outstanding as of the last day of the immediately preceding fiscal year and (ii) such smaller number of shares as is determined by the Board; provided, however, no more than a number of shares</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">equal to ten times (10.0x) the initial share reserve may be issued upon the exercise of incentive stock options (&#8220;ISOs&#8221;). The share reserve formula under the 2025 Plan is intended to provide us with the continuing ability to grant equity awards to eligible employees, directors and consultants for the ten-year term of the 2025 Plan.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Awards granted under the 2025 Plan upon the assumption of, or in substitution for, outstanding equity&#160;awards previously granted by an entity in connection with a corporate transaction with us, such as a merger, combination, consolidation or acquisition of property or stock will not reduce the shares authorized for grant under the&#160;2025 Plan. The maximum grant date fair value of cash and equity awards granted to any non-employee director pursuant to the 2025 Plan during any calendar year is $</font><font style="letter-spacing:-0.361pt;">1,000,000.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">167</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-style:italic;">Awards</div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The 2025 Plan provides for the grant of stock options, including ISOs and nonqualified stock options, (&#8220;NSOs&#8221;) restricted stock, dividend equivalents, stock payments, restricted stock units (&#8220;RSUs&#8221;) other incentive awards, stock appreciation rights (&#8220;SARs&#8221;) and cash awards. No determination has been made as to the types or amounts of awards that will be granted to certain individuals pursuant to the 2025 Plan. Certain awards under the 2025 Plan may constitute or provide for a deferral of compensation, subject to Section 409A of the Code, which may impose additional requirements on the terms and conditions of such awards. All awards under the 2025 Plan will be set forth in award agreements, which will detail all terms and conditions of the awards, including any applicable vesting and payment terms and post-termination exercise limitations. Awards other than cash awards generally will be settled in shares of our common stock, but the plan administrator may provide for cash settlement of any award. A brief description of each award type follows.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="font-style:italic;">Stock Options.</font><font style="letter-spacing:-0.038pt;">&nbsp;&nbsp;&nbsp;Stock options provide for the purchase of shares of our common stock in the future at an exercise price set on the grant date. ISOs, by contrast to NSOs, may provide tax deferral beyond exercise and favorable capital gains tax treatment to their holders if certain holding period and other requirements of the Code are satisfied. The exercise price of a stock option may not be less than 100% of the fair market value of the underlying share on the date of grant (or 110% in the case of ISOs granted to certain significant stockholders), except with respect to certain substitute options granted in connection with a corporate transaction. The term of a stock option may not be longer than ten years (or five years in the case of ISOs granted to certain significant stockholders).</font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="font-style:italic;">SARs.</font><font style="letter-spacing:-0.038pt;">&nbsp;&nbsp;&nbsp;SARs entitle their holder, upon exercise, to receive from us an amount equal to the appreciation of the shares subject to the award between the grant date and the exercise date. The exercise price of a SAR may not be less than 100% of the fair market value of the underlying share on the date of grant (except with respect to certain substitute SARs granted in connection with a corporate transaction). The term of a SAR may not be longer than ten years.</font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="font-style:italic;">Restricted Stock and RSUs.</font><font style="letter-spacing:-0.038pt;">&nbsp;&nbsp;&nbsp;Restricted stock is an award of nontransferable shares of our common stock that remain forfeitable unless and until specified conditions are met, and which may be subject to a purchase price. RSUs are contractual promises to deliver shares of our common stock in the future, which may also remain forfeitable unless and until specified conditions are met. Delivery of the shares underlying RSUs may be deferred under the terms of the award or at the election of the participant, if the plan administrator permits such a deferral.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="font-style:italic;">Stock Payments, Other Incentive Awards and Cash Awards.</font><font style="letter-spacing:-0.038pt;">&nbsp;&nbsp;&nbsp;Stock payments are awards of fully vested shares of our common stock that may, but need not, be made in lieu of base salary, bonus, fees or other cash compensation otherwise payable to any individual who is eligible to receive awards. Other incentive awards are awards other than those enumerated in this summary that are denominated in, linked to or derived from shares of our common stock or value metrics related to our shares, and may remain forfeitable unless and until specified conditions are met. Cash awards are cash incentive bonuses subject to performance goals.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="font-style:italic;">Dividend Equivalents.</font><font style="letter-spacing:-0.038pt;">&nbsp;&nbsp;&nbsp;Dividend equivalents represent the right to receive the equivalent value of dividends paid on shares of our common stock and may be granted alone or in tandem with awards other than stock options or SARs. Dividend equivalents are credited as of dividend record dates during the period between the date an award is granted and the date such award vests, is exercised, is distributed or expires, as determined by the plan administrator.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Vesting</div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Vesting conditions determined by the plan administrator may apply to each award and may include continued service, performance and/or other conditions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Certain Transactions</div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The plan administrator has broad discretion to take action under the 2025 Plan, as well as make adjustments to the terms and conditions of existing and future awards, to prevent the dilution or enlargement of intended benefits, facilitate the transaction, or give effect to changes in applicable law or accounting principles, in connection with certain transactions and events affecting our common stock, such as a change in control, stock dividends, stock splits, mergers, consolidations and other corporate transactions. This includes cancelling awards for cash or property, accelerating the vesting of awards, providing for the assumption or substitution of awards by a successor entity, adjusting the number and type of shares subject to outstanding awards and/or with respect to which awards may be granted under the 2025 Plan and replacing or terminating awards </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">168</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">under the 2025 Plan. In addition, in the event of certain non-reciprocal transactions with our stockholders known as &#8220;equity restructurings,&#8221; the plan administrator will make equitable adjustments to the 2025 Plan and outstanding awards.</font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In the event of a &#8220;change in control&#8221; of our company (as defined in the 2025 Plan), to the extent that the surviving entity declines to continue, convert, assume or replace outstanding awards, then all such awards will become fully vested and exercisable in connection with the transaction. In the event such awards are assumed by the surviving entity and the participant&#8217;s employment or service is terminated without &#8220;cause&#8221; (as defined in the 2025 Plan) within twelve months of such change in control, any such unvested awards will accelerate and vest and with respect to any options held by the participant, such participant will have a period of six months following the date of such termination (or such longer period as may be set forth in the applicable award agreement(s)) to exercise such options (but in no event beyond the original expiration date). Individual&#160;award agreements may provide for additional accelerated vesting and payment provisions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Non-U.S. Participants, Claw-Back Provisions, Transferability, and Participant Payments</div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The plan administrator may modify award terms, establish subplans and/or adjust other terms and conditions of awards, subject to the share limits described above, in order to facilitate grants of awards subject to the laws and/or stock exchange rules of countries outside of the United States. All awards will be subject to the provisions of any claw-back policy implemented by us to the extent set forth in such claw-back policy and/or in the applicable award agreement. With limited exceptions for estate planning, domestic relations orders, certain beneficiary designations and the laws of descent and distribution, awards under the 2025 Plan are generally non-transferable, and are exercisable only by the participant. With regard to tax withholding, exercise price and purchase price obligations arising in connection with awards under the 2025 Plan, the plan administrator may, in its discretion, accept cash or check, provide for net withholding of shares, allow shares of our common stock that meet specified conditions to be repurchased, allow a &#8220;market sell order&#8221; or such other consideration as it deems suitable.</font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;">Plan Amendment and Termination</div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our board of directors may amend or terminate the 2025 Plan at any time; however, except in connection with certain changes in our capital structure, stockholder approval will be required for any amendment that increases the number of shares available under the 2025 Plan. No award may be granted pursuant to the 2025 Plan after the tenth anniversary of the earlier of (i) the date on which our board of directors adopts the 2025 Plan and (ii) the date on which our stockholders approve the 2025 Plan.</font>
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          <font style="letter-spacing:-0.342pt;">169</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tCRAR">&#8203;</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:18pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In addition to the compensation arrangements discussed in the section titled &#8220;Executive Compensation,&#8221; the following is a description of transactions since January&#160;1, 2022 and each currently proposed transaction in which:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <font style="letter-spacing:-0.038pt;">we have been or are to be a participant;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <font style="letter-spacing:-0.038pt;">the amounts involved exceeded or will exceed $120,000; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">any of our directors, executive officers, or holders of more than 5% of our outstanding capital stock, or any immediate family member of, or person sharing the household with, any of these individuals, had or will have a direct or indirect material interest.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">The Reorganization</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In connection with the Reorganization and this offering, we will engage in certain transactions with certain of our directors and executive officers and with entities affiliated with J.C. Flowers, a leading private investment firm dedicated to investing globally in the financial services industry, that will become holders of more than 5% of our outstanding capital stock. See the section titled &#8220;The Reorganization&#8221; for a description of these transactions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
            <font style="letter-spacing:0.5pt;">Stockholders Agreement</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">Prior to the completion of this offering, we intend to enter into the Stockholders Agreement with the JCF Stockholders</font><font style="letter-spacing:-0.361pt;">, </font><font style="letter-spacing:-0.038pt;">which are holders of more than 5% of our outstanding capital stock and entities with which certain of our directors are affiliated. The Stockholders Agreement will provide the JCF Stockholders certain registration rights as described below. The Stockholders Agreement will also provide the JCF Stockholders the right to designate a certain number of nominees for election to our board of directors and certain committee nomination rights for so long as the JCF Stockholders (including their permitted transferees under the Stockholders Agreement) beneficially own a specified percentage of our outstanding common stock. The</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">registration rights provided to the JCF Stockholders will terminate upon the earliest of (i)&#160;the completion of certain liquidation events or (ii</font><font style="letter-spacing:-0.361pt;">)&#160;</font><font style="letter-spacing:-0.038pt;"> such time after the completion of this offering that the JCF Stockholders can sell all of their shares entitled to registration rights under Rule&#160;144 of the Securities Act during any 90-day period, without limitation thereunder on volume or manner of sale. Under the Stockholders Agreement, we will generally be required to pay all expenses (other than underwriting discounts and commissions and certain other expenses) related to any registration effected pursuant to the exercise of such registration rights</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">and to indemnify the JCF Stockholders against (or make contributions in respect of) certain liabilities that may arise under the Securities Act. The Form&#160;S-1 and Form S-3 demand registration rights described below are subject to specified conditions and limitations, including the right of the underwriters to limit the number of shares of common stock included in any such registration under specified circumstances.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Form S-1 Demand Registration Rights</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">At any time beginning 180&#160;days after the effective date of this registration statement, the JCF Stockholders will have the right to demand that we file a registration statement on Form S-1 to register the offer and sale of their shares. We will generally only be obligated to effect up to two such registrations. Each such request for registration must cover securities the anticipated aggregate offering price of which, net of underwriting discounts and commissions, is at least $</font><font style="letter-spacing:-0.361pt;">25.0</font><font style="letter-spacing:-0.038pt;">&#160;million. If our board of directors determines that it would be materially detrimental to us and our stockholders to effect such a demand registration, we will have the right to defer such registration, not more than once in any 12-month period, for a period of up to 30&#160;days.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Form S-3 Demand Registration Rights</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">At any time when we are eligible to file a registration statement on Form S-3, the JCF Stockholders will be able to request that we register the offer and sale of their shares on a registration statement on Form S-3 so long as the request covers securities the anticipated aggregate public offering price of which, net of any underwriting discounts or commissions, is at least $</font><font style="letter-spacing:-0.361pt;">25.0</font><font style="letter-spacing:-0.038pt;">&#160;million. The JCF Stockholders may make an unlimited number of requests for registration on a registration statement on Form S-3. However, we will not be required to effect a registration on Form S-3 if we have effected three such registrations within the 12-month period preceding the date of the request. If our board of directors determines that it would be materially detrimental </font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:-0.342pt;">170</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">to us and our stockholders to effect such a demand registration, we will have the right to defer such registration, not more than once in any 12-month period, for a period of up to 30&#160;days.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Piggyback Registration Rights</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">At any time after the completion of this offering, if we propose to register shares of our common stock or other securities under the Securities Act, either for our own account or for the account of our stockholders, in connection with such offering, the JCF Stockholders will be able to request that we include their shares in such registration, subject to certain marketing and other limitations. As a result, whenever we propose to file a registration statement under the Securities Act, other than with respect to (i)&#160;a registration relating solely to our stock plans, (ii)&#160;a registration relating to a corporate reorganization or other transaction covered by Rule&#160;145 promulgated under the Securities Act, (iii)&#160;a registration on any form that does not include substantially the same information as would be required to be included in a registration statement covering the sale of the shares having registration rights, or (iv)&#160;a registration relating to the offer and sale of debt securities, the JCF Stockholders will be entitled to notice of the registration and have the right, subject to certain limitations, to include their shares in the registration.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
            <font style="letter-spacing:0.5pt;">Nomination and Consent Rights</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The Stockholders Agreement will provide the JCF Stockholders the right to designate a certain number of nominees for election to our board of directors and certain committee nomination rights for so long as the JCF Stockholders (including their permitted transferees under the Stockholders Agreement) beneficially own a specified&#160;percentage of our outstanding common stock. For so long as the JCF Stockholders beneficially own shares of common stock representing over 50% of the common stock then outstanding, the JCF Stockholders will be entitled to nominate four directors to serve on our board of directors, at least two of which such directors must be &#8220;independent directors&#8221; under applicable law and stock exchange listing standards. For so long as the JCF Stockholders beneficially own shares of common stock representing at least 30% but less than or equal to 50% of the common stock then outstanding, the JCF Stockholders will be entitled to nominate three directors to serve on our board of directors. For so long as the JCF Stockholders beneficially own shares of common stock representing at least 20% but less than or equal to 30% of the common stock then outstanding, the JCF Stockholders will be entitled to nominate two directors to serve on our board of directors.</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">For so long as the JCF Stockholders beneficially own shares of common stock representing at least 10% but less than or equal to 20% of the common stock then outstanding, the JCF Stockholders will be entitled to nominate one director to serve on our board of directors.</font>
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          <div style="margin-top:7pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Additionally, the Stockholders Agreement will specify that we will not take certain significant actions specified therein, including (i) any acquisition or disposition where aggregate consideration is greater than $100,000,000 in a single transaction or series of related transactions; (ii) any transaction in which any person or group acquires more than 50% of our then outstanding capital stock or the power to elect a majority of the members of our board of directors; (iii) any incurrence or refinancing of our indebtedness or that of our subsidiaries to the extent such incurrence or refinancing would result in us or our subsidiaries having indebtedness in excess of $150,000,000 in the aggregate; (iv) any increase or decrease in the size of our board of directors; (v) any reorganization, recapitalization, voluntary bankruptcy, liquidation, dissolution or winding-up; and (vi) any amendment, alteration or repeal of any provision of our governing documents in a manner that adversely affects the powers, preferences or rights of the JCF Stockholders, in each case, without the prior written consent of the JCF Stockholders as long as the JCF Stockholders (including their permitted transferees under the Stockholders Agreement) beneficially own at least </font><font style="letter-spacing:-0.361pt;">10</font><font style="letter-spacing:-0.038pt;">% of the outstanding shares of our common stock (as adjusted for stock splits, combinations, reclassifications and similar transactions).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Purchases in Directed Share Program</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">At our request, the underwriters have reserved five percent of the shares of common stock to be issued by us and offered by this prospectus for sale, at the initial public offering price, to certain of our directors, officers and employees and friends and family members of certain of our directors, officers and employees. See &#8220;Underwriting.&#8221; All purchases of common stock in the directed share program will be at the public offering price. Purchases by any related persons participating in the directed share program may individually exceed </font><font style="letter-spacing:-0.361pt;">$120,000.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:-0.342pt;">171</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:80.5pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.5pt;">Indemnification Agreements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Prior to the completion of this offering, we intend to enter into indemnification agreements with each of our directors and executive officers. These agreements, among other things, will require us to indemnify each director and executive officer to the fullest extent permitted by Delaware law, including indemnification of expenses such as attorneys&#8217; fees, judgments, fines and settlement amounts incurred by the director or executive officer in any action or proceeding, including any action or proceeding by or in right of us, arising out of the person&#8217;s services as a director or executive officer.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Participation Agreement</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In February&#160;2023, Jefferson Capital Systems, LLC, one of our wholly owned indirect subsidiaries, entered into a participation agreement (the &#8220;Participation Agreement&#8221;) with HH Warehouse LLC (&#8220;HH Warehouse&#8221;), pursuant to which Jefferson Capital Systems, LLC sold a 26.75% beneficial ownership interest (the &#8220;Portfolio Interest&#8221;) in a portfolio of performing installment loans (the &#8220;Portfolio&#8221;) to HH Warehouse for $2.9&#160;million and agreed to administer the Portfolio and pay HH Warehouse a share of the collections proportionate to the size of the Portfolio Interest. In July&#160;2024, Jefferson Capital Systems, LLC entered into an amendment to the Participation Agreement with HH Warehouse, pursuant to which Jefferson Capital Systems, LLC repurchased the Portfolio Interest from HH Warehouse for $1.4&#160;million and assumed all rights and obligations related to the Portfolio Interest. Christopher Giles, a member of our board of directors, served as Vice President of HH Warehouse and held 12.86% of the membership interests in HH Warehouse at the time of such transactions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Family Relationship</font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Bryan Szemenyei, President of Canaccede, one of our wholly owned indirect subsidiaries, is the son of Andrew Szemenyei, who resigned as a member of our board of directors in May 2025, and has been employed by our subsidiary since our acquisition of Canaccede in March&#160;2020. Bryan Szemenyei does not reside with Andrew Szemenyei and is not one of our executive officers. During the years ended December&#160;31, 2024, 2023 and 2022, Bryan Szemenyei had total compensation, including base salary, bonus and other compensation, of C$0.4 million, C$0.3 million and C$0.4 million, respectively. In May&#160;2025, Jefferson Capital Holdings, LLC also repurchased Class A Units and Class C Units of JCAP TopCo, LLC from Bryan Szemenyei, at an aggregate purchase price of $1.25 million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Policies and Procedures for Related Party Transactions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our board of directors recognizes the fact that transactions with related persons present a heightened risk of conflicts of interests or the perception thereof. Prior to the completion of this offering, our board of directors intends to adopt a written related person transaction policy setting forth the policies and procedures for the review and approval or ratification of related person transactions. This policy will cover, with certain exceptions set forth in Item&#160;404 of Regulation&#160;S-K under the Securities Act, any transaction, arrangement, or relationship, or any series of similar transactions, arrangements, or relationships, in which we were or are to be a participant, where the amount involved exceeds $120,000 in any fiscal year, and a related person had, has, or will have a direct or indirect material interest, including without limitation, purchases of goods or services by or from the related person or entities in which the related person has a material interest, indebtedness, guarantees of indebtedness, and employment by us of a related person. In reviewing and approving any such transactions, our audit committee will be tasked to consider all relevant facts and circumstances, including, but not limited to, whether the transaction is on terms comparable to those that could be obtained in an arm&#8217;s length transaction and the extent of the related person&#8217;s interest in the transaction. All of the transactions described in this section occurred prior to the adoption of this policy. </font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">172</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tPASS">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:197pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">PRINCIPAL AND SELLING STOCKHOLDERS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <div style="margin-top:18pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The following table sets forth information with respect to the beneficial ownership of our common stock as of March 31, 2025, after giving effect to the Reorganization and as adjusted to reflect the sale of common stock by us and the selling stockholders in this offering, of:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">each person or group of affiliated persons known by us to beneficially own more than 5% of our common stock;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">each of the selling stockholders;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">each of our named executive officers;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">each of our directors; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">all of our executive officers and directors as a group.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table does not reflect any shares of common stock that may be purchased in this offering or pursuant to our directed share program described under &#8220;Underwriting</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Directed Share Program.&#8221;</font>
        </div>
        <div style="margin-top:7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The number of shares beneficially owned by each stockholder is determined under rules issued by the SEC. Under these rules, a person is deemed to be a &#8220;beneficial&#8221; owner of a security if that person has or shares voting power or investment power, which includes the power to dispose of or to direct the disposition of such security. Except as indicated in the footnotes below, we believe, based on the information furnished to us, that the individuals and entities named in the table below have sole voting and investment power with respect to all shares of our common stock beneficially owned by them, subject to any applicable community property laws.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:7pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Percentage ownership of our common stock before this offering is based on</font><font style="letter-spacing:-0.361pt;"> 64,813,219 </font><font style="letter-spacing:-0.038pt;">shares of our common stock outstanding as of March 31, 2025, after giving effect to the Reorganization, based on an assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00 </font><font style="letter-spacing:-0.038pt;">per share, which is the midpoint of the price range set forth on the cover page of this prospectus. Percentage ownership of our common stock after this offering is based on</font><font style="letter-spacing:-0.361pt;"> 64,813,219 </font><font style="letter-spacing:-0.038pt;">shares of our common stock outstanding after giving further effect to the completion of this offering at the assumed initial public offering price of $</font><font style="letter-spacing:-0.361pt;">16.00</font><font style="letter-spacing:-0.038pt;"> per share, which is the midpoint of the price range set forth on the cover page of this prospectus. In computing the number of shares beneficially owned by an individual or entity and the&#160;percentage ownership of that person, shares of our common stock subject to options, warrants or other rights held by such person that are currently exercisable or that will become exercisable within 60&#160;days of March 31, 2025 are considered outstanding, although these shares are not considered outstanding for purposes of computing the&#160;percentage ownership of any other person. Unless noted otherwise, the address of all listed stockholders is 600 South Highway 169, Suite 1575, Minneapolis, Minnesota 55426. </font>
          </div>

      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">173</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:59.88pt;margin-left:69.66pt;width:456pt;">

          <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;height:56.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:87.64pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="2">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10" rowspan="2">
                <div style="text-align:center; line-height:10.5pt; padding-bottom:0.833333333333333pt;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares Beneficially </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Owned Prior to this </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Offering </font>
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              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="2">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4" rowspan="3">
                <div style="text-align:center; line-height:10.5pt; padding-bottom:0.833333333333333pt;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Number of </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Being </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Offered </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Assuming </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">No </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Exercise </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Option </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">to </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Additional </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4" rowspan="3">
                <div style="text-align:center; line-height:10.5pt; padding-bottom:0.833333333333333pt;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Number of</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Being </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Offered </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Assuming </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Full </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Exercise </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Option </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">to </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Additional </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="22">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares Beneficially Owned After this Offering </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;height:45pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:87.64pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Assuming No </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Exercise of Option to </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase Additional </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Assuming Full </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Exercise of Option to </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase Additional </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10.5pt;height:24pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt; width:87.64pt;text-align:left;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Name of Beneficial </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Owners </font>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">% </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:11.34pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:1.19pt 0pt 1.51pt 0pt; width:87.64pt;white-space:normal;text-align:left;">
                <div style="margin-left:9pt; text-indent:-9pt; line-height:11.35pt;">
                  <font style="letter-spacing:0.45pt;">5% Stockholders and Selling Stockholders:</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:11.34pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:1.45pt 0pt 1.5pt 0pt; width:87.64pt;text-align:left;">
                <div style="margin-left:9pt; text-indent:-9pt;">
                  <font style="letter-spacing:-0.036pt;">Entities affiliated with </font>
                  <br >
                  <font style="letter-spacing:-0.036pt;">J.C. Flowers</font><font style=" position:relative; bottom:3.75pt;font-size:5.5pt;letter-spacing:-0.266pt;">&#65279;(1)</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">52,430,719</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">81.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">7,762,279 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">8,708,912</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">44,668,440</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">68.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">43,721,807</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.45pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">67.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:11.34pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:1.44pt 0pt 1.51pt 0pt; width:87.64pt;white-space:normal;text-align:left;">
                <div style="margin-left:9pt; text-indent:-9pt; line-height:11.35pt;">
                  <font style="letter-spacing:0.45pt;">Other Selling Stockholders</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:11.34pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:1.44pt 0pt 1.51pt 0pt; width:87.64pt;text-align:left;">
                <div style="margin-left:9pt; text-indent:-9pt; line-height:11.35pt;">
                  <font style="letter-spacing:-0.036pt;">Entities affiliated with </font>
                  <br >
                  <font style="letter-spacing:-0.036pt;">Canaccede</font><font style=" position:relative; bottom:3.75pt;font-size:5.5pt;letter-spacing:-0.266pt;">&#65279;(2)</font> </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,612,721</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">1,612,721</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,612,721</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212; </td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:11.34pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:1.44pt 0pt 1.51pt 0pt; width:87.64pt;white-space:normal;text-align:left;">
                <div style="margin-left:9pt; text-indent:-9pt;">
                  <font style="letter-spacing:-0.036pt;">Szemenyei Holdings Inc. </font> </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,290,714</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">129,071</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,290,714</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">2.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,161,643 </td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.44pt 0pt 1.51pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.8<font style="position:absolute;">% </font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:11.34pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:1.44pt 0pt 1.51pt 0pt; width:87.64pt;white-space:normal;text-align:left;">
                <div style="margin-left:9pt; text-indent:-9pt;">
                  <font style="letter-spacing:0.45pt;">Named Executive Officers and Directors:</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8.96999999999997pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:3.02pt 0pt 2.29pt 0pt; width:87.64pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.036pt;">David Burton </font>
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              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">4,242,958</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">424,296</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">4,242,958</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">3,818,662</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">5.9<font style="position:absolute;">% </font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8.96999999999997pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:3.02pt 0pt 2.29pt 0pt; width:87.64pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.036pt;">Mark Zellmann</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">703,099</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">703,099</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">703,099</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.02pt 0pt 2.29pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.1<font style="position:absolute;">% </font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8.96999999999997pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:3.03pt 0pt 2.28pt 0pt; width:87.64pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.036pt;">Penelope Person</font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">441,843</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">441,843</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.7<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">441,843</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
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              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
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              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
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              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.03pt 0pt 2.28pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
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                  <font style="letter-spacing:-0.036pt;">John Oros </font>
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              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212; </td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
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                <div style="white-space:nowrap;">
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              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212; </td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <td style="padding:3.04pt 0pt 2.27pt 0pt; width:87.64pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.036pt;">Christopher Giles </font>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">79,026</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">79,026</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">79,026</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.04pt 0pt 2.27pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.1<font style="position:absolute;">% </font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <td style="padding:3.05pt 0pt 2.26pt 0pt; width:87.64pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.036pt;">Ronald Vaske </font>
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              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">39,526</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">39,526</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.1<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">39,526</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.1<font style="position:absolute;">% </font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:8.96999999999997pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="padding:3.05pt 0pt 2.26pt 0pt; width:87.64pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.036pt;">Beth Leonard </font>
                </div>
              </td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">17,099</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">17,099</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">17,099</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:3.05pt 0pt 2.26pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">% </font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:11.34pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9pt;">
              <td style="border-bottom:0.75pt solid #000000; ;padding:1.48pt 0pt 12pt 0pt; width:87.64pt;white-space:normal;text-align:left;">
                <div style="margin-left:9pt; text-indent:-9pt; line-height:11.35pt;">
                  <font style="letter-spacing:-0.036pt;">All directors and executive officers </font>
                  <br >
                  <font style="letter-spacing:-0.036pt;">as a group (nine individuals) </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:34.5pt; text-align:right; white-space:nowrap;">5,523,552</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">8.6<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:8.38pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">424,296</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:34.5pt; text-align:right; white-space:nowrap;">5,523,552</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">8.5<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:34.5pt; text-align:right; white-space:nowrap;">5,099,256</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:2pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:1.48pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:13.5pt; text-align:right; white-space:nowrap;">7.9<font style="position:absolute;">%</font></td>
              <td style="padding:0pt;padding-left:3.195pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5.25pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
            <br >
          </div>
          <div style=" margin-top:5.25pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:12pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Reflects </font><font style="letter-spacing:-0.266pt;">16,180,487 </font><font style="letter-spacing:-0.028pt;">shares held directly by J.C. Flowers IV L.P. and </font><font style="letter-spacing:-0.266pt;">36,250,232 </font><font style="letter-spacing:-0.028pt;">shares held directly by JCF IV Coinvest JCAP L.P. The general partner of each of J.C. Flowers IV L.P. and JCF IV Coinvest JCAP L.P. is JCF Associates IV L.P. The general partner of JCF Associates IV L.P. is JCF Associates IV Ltd. J. Christopher Flowers controls JCF Associates IV Ltd and thus may be deemed to control each entity directly or indirectly controlled by JCF Associates IV Ltd, including J.C. Flowers IV L.P. and JCF IV Coinvest JCAP L.P. The business address of each of the entities listed in this footnote and Mr. Flowers is c/o J.C. Flowers &amp; Co. LLC, 1301 Avenue of the Americas, 16th Floor, New York, NY 1001</font><font style="letter-spacing:-0.266pt;">9.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;font-size:7pt;">
            <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(2)</font>
            <br >
          </div>
          <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:12pt;font-size:7pt;">
            <font style="letter-spacing:-0.028pt;">Consists of (i) 145,534 shares held by 1000578315 Ontario Inc., (ii) 667,148 shares held by Anvic Capital Inc., (iii) 318,749 shares held by Maverick Inc. and (iv) 481,291 shares held by Marl-J Holdings Inc.</font><font style="letter-spacing:-0.266pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>

      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;">
          <font style="letter-spacing:-0.342pt;">174</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tDOCS">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">DESCRIPTION OF CAPITAL STOCK</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:18pt; width:456pt; line-height:11.5pt;font-style:italic;">The following summary describes important terms of our capital stock and certain provisions of our amended and restated certificate of incorporation and amended and restated bylaws, each of which will be in effect upon the completion of this offering. Because the following is only a summary, it does not contain all of the information that may be important to you. For a complete description, you should refer to our amended and restated certificate of incorporation and amended and restated bylaws, copies of which will be filed as exhibits to the registration statement of which this prospectus is part. The following summary reflects the completion of the Reorganization.<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">General</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">At or prior to the completion of this offering, we will file an amended and restated certificate of incorporation and we will adopt our amended and restated bylaws. Our amended and restated certificate of incorporation will authorize capital stock consisting of:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.361pt;">330,000,000 </font><font style="letter-spacing:-0.038pt;">shares of common stock, par value $0.0001 per share; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>
          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
            <br >
          </div>
          <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.361pt;">50,000,000 </font><font style="letter-spacing:-0.038pt;">shares of preferred stock, par value $0.0001 per share.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>


          <div style="margin-top:7pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">We and the selling shareholders are selling </font><font style="letter-spacing:-0.361pt;">10,000,000</font><font style="letter-spacing:-0.038pt;"> shares of our common stock in this offering. All shares of our common stock outstanding upon completion of this offering will be fully paid and non-assessable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">As of March 31, 2025, after giving effect to the Reorganization, there were</font><font style="letter-spacing:-0.361pt;"> 64,188,219 </font><font style="letter-spacing:-0.038pt;">shares of our common stock outstanding, held of record by</font><font style="letter-spacing:-0.361pt;"> 69 </font><font style="letter-spacing:-0.038pt;">stockholders. No shares of our preferred stock are designated, issued or outstanding.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The following summary describes the material provisions of our capital stock. We urge you to read our amended and restated certificate of incorporation and our amended and restated bylaws, which are included as exhibits to the registration statement of which this prospectus forms a part.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Certain provisions of our amended and restated certificate of incorporation and our amended and restated bylaws summarized below may be deemed to have an anti-takeover effect and may delay or prevent a tender offer or takeover attempt that a stockholder might consider in its best interest, including those attempts that might result in a premium over the market price for the shares of common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Common Stock</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The holders of our common stock are entitled to one vote for each share held on all matters submitted to a vote of the stockholders. The holders of our common stock do not have any cumulative voting rights. Holders of our common stock are entitled to receive ratably any dividends declared by our board of directors out of funds legally available for that purpose, subject to any preferential dividend rights of any outstanding preferred stock. Our common stock has no preemptive rights, conversion rights or other subscription rights or redemption or sinking fund provisions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:7pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In the event of our liquidation, dissolution or winding up, holders of our common stock will be entitled to share ratably in all assets remaining after payment of all debts and other liabilities and any liquidation preference of any outstanding preferred stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Upon our dissolution or liquidation, after payment in full of all amounts required to be paid to creditors and to the holders of preferred stock having liquidation preferences, if any, the holders of shares of our common stock will be entitled to receive pro&#160;rata our remaining assets available for distribution for distribution to stockholders after the payment of all of our debts and other liabilities, subject to the prior rights of any preferred stock then outstanding.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Preferred Stock</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">Upon the completion of this offering, our board of directors will have the authority, without further action by our stockholders, to issue up to</font><font style="letter-spacing:-0.361pt;"> 50,000,000 </font><font style="letter-spacing:-0.038pt;">shares of preferred stock in one or more series and to fix the rights, preferences, privileges and restrictions thereof. These rights, preferences and privileges could include dividend rights, conversion rights, voting rights, terms of redemption, liquidation preferences, sinking fund </font>
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          <font style="letter-spacing:-0.342pt;">175</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">terms and the number of shares constituting, or the designation of, such series, any or all of which may be greater than the rights of common stock. The issuance of our preferred stock could adversely affect the voting power of holders of common stock and the likelihood that such holders will receive payments upon our liquidation. In addition, the issuance of preferred stock could have the effect of delaying, deferring or preventing a change in control of our company or other corporate action. Immediately after completion of this offering, no shares of preferred stock will be outstanding and we have no present plan to issue any shares of preferred stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Dividends</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Declaration and payment of any dividend will be subject to the discretion of our board of directors. The time and amount of dividends will be dependent upon our business prospects, results of operations, financial condition, cash requirements and availability, debt repayment obligations, capital expenditure needs, contractual restrictions, covenants in the agreements governing our current and future indebtedness, industry trends, the provisions of Delaware law affecting the payment of distributions to stockholders and any other factors our board of directors may consider relevant. We currently intend to pay quarterly cash dividends beginning in the third quarter of 2025. See &#8220;Dividend Policy&#8221; and &#8220;Risk Factors</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Risks Related to This Offering and Ownership of Our Common Stock</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">There can be no assurance that we will continue to declare cash dividends or repurchase our shares at all or in any particular amounts.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Anti-Takeover Provisions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation and amended and restated bylaws, as they will be in effect immediately prior to the completion of this offering, will contain provisions that may delay, defer or discourage another party from acquiring control of us. We expect that these provisions, which are summarized below, will discourage coercive takeover practices or inadequate takeover bids. These provisions are also designed to encourage persons seeking to acquire control of us to first negotiate with our board of directors, which we believe may result in an improvement of the terms of any such acquisition in favor of our stockholders. However, they also give our board of directors the power to discourage acquisitions that some stockholders may favor. See &#8220;Risk Factors</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">General Risk Factors</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Our anti-takeover provisions may delay or prevent a change of control, which could adversely affect the price of our common stock.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Authorized but Unissued Shares</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The authorized but unissued shares of our common stock are available for future issuance without stockholder approval, subject to any limitations imposed by the listing standards of the Nasdaq. These additional shares may be used for a variety of corporate finance transactions, acquisitions and employee benefit plans. The existence of authorized but unissued and unreserved common stock could make more difficult or discourage an attempt to obtain control of us by means of a proxy contest, tender offer, merger or otherwise.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our board of directors may issue shares of preferred stock on terms calculated to discourage, delay, or prevent a change of control of the Company or the removal of our management. Moreover, our authorized but unissued shares of preferred stock will be available for future issuances without stockholder approval and could be utilized for a variety of corporate purposes, including future offerings to raise additional capital, acquisitions, or employee benefit plans.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">One of the effects of the existence of unissued and unreserved common stock or preferred stock may be to enable our board of directors to issue shares to persons friendly to current management, which issuance could render more difficult or discourage an attempt to obtain control of the Company by means of a merger, tender offer, proxy contest or otherwise, and thereby protect the continuity of our management and possibly deprive our stockholders of opportunities to sell their shares of common stock at prices higher than prevailing market prices.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Classified Board of Directors</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation will provide that our board of directors will be divided into three classes, with the classes as nearly equal in number as possible and each class serving three-year staggered terms. In all other cases and at any other time, directors may only be removed from our board of directors for cause by the affirmative vote of a majority of the shares entitled to vote. See &#8220;Management</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Board </font>
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          <font style="letter-spacing:-0.342pt;">176</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">Composition.&#8221; These provisions may have the effect of deferring, delaying or discouraging hostile takeovers, or changes in control of us or our management.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Stockholder Action; Special Meeting of Stockholders</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation will provide that from and after the Trigger Date, our stockholders will not be able to take action by written consent for any matter and may only take action at annual or special meetings. As a result, a holder controlling a majority of our capital stock would not be able to amend our bylaws or remove directors without holding a meeting of our stockholders called in accordance with our bylaws, unless previously approved by our board of directors. Our amended and restated certificate of incorporation will further provide that special meetings of our stockholders may be called only by the board of directors, the Chairman of our board of directors, our chief executive officer, our president or another officer selected by a majority of our board of directors; provided, however, that prior to the Trigger Date, special meetings of the stockholders for any purpose may also be called by or at the direction of the board of directors or the Chairman of the board of directors at the request of the JCF Stockholders, thus limiting the ability of a stockholder to call a special meeting. These provisions might delay the ability of our stockholders to force consideration of a proposal or for stockholders controlling a majority of our capital stock to take any action, including the removal of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Advance Notice Requirements for Stockholder Proposals and Director Nominations</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">In addition, our bylaws will establish an advance notice procedure for stockholder proposals to be brought before an annual meeting of stockholders, including proposed nominations of candidates for election to our board of directors. In order for any matter to be &#8220;properly brought&#8221; before a meeting, a stockholder will have to comply with advance notice and duration of ownership requirements and provide us with certain information. Stockholders at an annual meeting may only consider proposals or nominations specified in the notice of meeting or brought before the meeting by or at the direction of our board of directors or by a qualified stockholder of record on the record date for the meeting, who is entitled to vote at the meeting and who has delivered timely written notice in proper form to our secretary of the stockholder&#8217;s intention to bring such business before the meeting. These provisions could have the effect of delaying stockholder actions that are favored by the holders of a majority of our outstanding voting securities until the next stockholder meeting. The board of directors may postpone, reschedule or cancel any annual meeting of stockholders previously scheduled by the board of directors. Prior to the Trigger Date, the JCF Stockholders shall not be subject to the notice requirements with respect to the proposal of any business (other than with respect to the nomination of directors) at any annual or special meeting of the stockholders.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Amendment of Certificate of Incorporation or Bylaws</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The DGCL provides generally that the affirmative vote of the holders of a majority in voting power of the shares entitled to vote is required to amend a corporation&#8217;s certificate of incorporation, unless a corporation&#8217;s certificate of incorporation requires a greater&#160;percentage. Upon completion of this offering, our amended and restated bylaws may be amended or repealed by a majority vote of our board of directors or by the affirmative vote of the holders a majority of the votes which all our stockholders would be eligible to cast in an election of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Removal of Directors; Vacancies</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Prior to the Trigger Date, any director may be removed at any time, with or without cause, by the holders of at least a majority of the voting power of the outstanding shares of our common stock entitled to vote on the election and removal of directors in the manner permitted by our amended and restated certificate of incorporation. In all other cases and from and after the Trigger Date, our amended and restated certificate of incorporation will provide that, except in the case of the removal of a director designated by the JCF Stockholders or their permitted transferees, which removal shall be only take place in accordance with the terms of the Stockholders Agreement, directors may only be removed from our board of directors for cause and only by the affirmative vote of the holders of at least </font><font style="letter-spacing:-0.361pt;">66</font><font style=" position:relative; bottom:2.53pt;font-size:6.65pt;letter-spacing:-0.253pt;">2</font><font style="letter-spacing:-0.361pt;">&#8725;</font><font style="font-size:6.65pt;letter-spacing:-0.253pt;">3</font><font style="letter-spacing:-0.038pt;">% of the voting power of the common stock outstanding and entitled to vote on the election and removal of directors. Except in the case of a vacancy arising with respect to a director designated by the JCF Stockholders, which vacancy shall be filled in accordance with the terms of the Stockholders Agreement, our board of directors will have the sole power to fill any vacancy on our board of directors, whether such vacancy occurs as a result of an increase in the number of directors or otherwise.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">177</font>
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          <font style="letter-spacing:0.475pt;">Supermajority Provisions</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation and our bylaws will provide that the board of directors is expressly authorized to adopt, make, alter, amend or repeal our bylaws. From and after the Trigger Date, any adoption, alteration, amendment or repeal of our bylaws by our stockholders will require the affirmative vote of holders of at least </font><font style="letter-spacing:-0.361pt;">66</font><font style=" position:relative; bottom:2.53pt;font-size:6.65pt;letter-spacing:-0.253pt;">2</font><font style="letter-spacing:-0.361pt;">&#8725;</font><font style="font-size:6.65pt;letter-spacing:-0.253pt;">3</font><font style="letter-spacing:-0.038pt;">% of the voting power of our outstanding capital stock entitled to vote thereon. In addition, our amended and restated certificate of incorporation will provide that from and after the Trigger Date, certain articles of the certificate of incorporation, including those relating to (i)&#160;the board size, classification, removal and vacancies, (ii)&#160;stockholder action by written consent, (iii)&#160;special meetings of stockholders, (iv)&#160;amendment of certificate and bylaws, (v)&#160;business combinations with interested stockholders, (vi)&#160;liability of directors, (vii)&#160;forum selection, and (viii)&#160;waiver of corporate opportunity, may be amended only by a vote of at least </font><font style="letter-spacing:-0.361pt;">66</font><font style=" position:relative; bottom:2.53pt;font-size:6.65pt;letter-spacing:-0.253pt;">2</font><font style="letter-spacing:-0.361pt;">&#8725;</font><font style="font-size:6.65pt;letter-spacing:-0.253pt;">3</font><font style="letter-spacing:-0.038pt;">% of the voting power of our outstanding capital stock entitled to vote thereon.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">No Cumulative Voting</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The DGCL provides that stockholders are not entitled to the right to cumulative votes in the election of directors unless our certificate of incorporation provides otherwise. Our amended and restated certificate of incorporation will not provide for cumulative voting.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Section&#160;203 of the DGCL</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In general, Section&#160;203 of the DGCL, an anti-takeover provision, prohibits a publicly held Delaware corporation from engaging in a business combination, such as a merger, with an &#8220;interested stockholder,&#8221; or person or group owning 15% or more of the corporation&#8217;s voting stock, for a period of three&#160;years following the date the person became an interested stockholder, unless (with certain exceptions) the business combination or the transaction in which the person became an interested stockholder is approved in the manner prescribed by the DGCL and Delaware Court of Chancery.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:7pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We intend to elect in our amended and restated certificate of incorporation not to be subject to Section&#160;203; however, our amended and restated certificate of incorporation will contain provisions that have generally the same effect as Section&#160;203. Nonetheless, our amended and restated certificate of incorporation will provide that the JCF Stockholders, their affiliates and successors, and their direct and indirect transferees are not deemed &#8220;interested stockholders&#8221; for purposes of such provisions and therefore will not be subject to such provisions regardless of the&#160;percentage of our voting stock owned by them.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Conflicts of Interest; Corporate Opportunities</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In order to address potential conflicts of interest between us and the JCF Stockholders, our amended and restated certificate of incorporation contains certain provisions regulating and defining the conduct of our affairs to the extent that they may involve the JCF Stockholders and their directors, managers, officers, associated funds, employees and/or representatives and our rights, powers, duties and liabilities and those of our directors, officers, employees and stockholders in connection with our relationship with the JCF Stockholders. In general, these provisions recognize that we and the JCF Stockholders may engage in the same or similar business activities and lines of business or have an interest in the same areas of corporate opportunities and that we and the JCF Stockholders will continue to have contractual and business relations with each other, including directors, officers or employees of the JCF Stockholders serving as our directors, officers or employees.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:7pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation provides that the JCF Stockholders have no duty to communicate information regarding a corporate opportunity to us or to refrain from engaging in the same or similar lines of business or doing business with any of our clients, customers or vendors. Moreover, our amended and restated certificate of incorporation provides that for so long as the JCF Stockholders and their affiliates own at least </font><font style="letter-spacing:-0.361pt;">10</font><font style="letter-spacing:-0.038pt;">% of the total voting power of our outstanding shares with respect to the election of directors or otherwise has one or more directors, officers or employees serving as our director, officer or employee, in the event that any of our directors, officers or employees who is also a director, officer or employee of the JCF Stockholders acquires knowledge of a potential transaction or matter that may be a corporate opportunity for us and the JCF Stockholders, such director, officer or employee shall to the fullest extent permitted by law have fully satisfied and fulfilled his or her fiduciary duty, if any, with respect to such corporate opportunity, and we, to the fullest extent permitted by law, renounce any interest or expectancy in such business opportunity, and waive any claim that such business opportunity constituted a corporate opportunity that should have </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">178</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">been presented to us or any of our affiliates, if he or she acts in a manner consistent with the following policy: such corporate opportunity offered to any person who is our director, officer or employee and who is also a director, officer or employee of the JCF Stockholders shall belong to us only if such opportunity is expressly offered to such person solely in his or her capacity as our director or officer and otherwise shall belong to the JCF Stockholders.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation also provides for special approval procedures that may be utilized if it is deemed desirable by the JCF Stockholders, us, our affiliates or any other party, that we take action with specific regard to transactions or opportunities presenting potential conflicts of interest, out of an abundance of caution, to ensure that such transactions are not voidable, or that such an opportunity or opportunities are effectively disclaimed. Specifically, we may employ any of the following special procedures:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <font style="letter-spacing:-0.038pt;">the material facts of the transaction and the director&#8217;s, officer&#8217;s or employee&#8217;s interest are disclosed or known to the board of directors or a duly appointed committee of the board of directors, and the board of directors or such committee authorizes approves or ratifies the transaction by the affirmative vote or consent of a majority of the directors (or committee members) who have no direct or indirect interest in the transaction and, in any event, of at least two directors (or committee members); or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <font style="letter-spacing:-0.038pt;">the material facts of the transaction and the director&#8217;s interest are disclosed or known to the stockholders entitled to vote and they authorize, approve or ratify such transaction.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Any person purchasing or otherwise acquiring any interest in any shares of our common stock will be deemed to have consented to these provisions of our amended and restated certificate of incorporation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:7pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Subject to the rights of the holders of any series of preferred stock then outstanding, and in addition to any vote required by applicable law, the affirmative vote of the holders of at least </font><font style="letter-spacing:-0.361pt;">66</font><font style=" position:relative; bottom:2.53pt;font-size:6.65pt;letter-spacing:-0.253pt;">2</font><font style="letter-spacing:-0.361pt;">&#8725;</font><font style="font-size:6.65pt;letter-spacing:-0.253pt;">3</font><font style="letter-spacing:-0.038pt;">% of the voting power of the then outstanding shares of voting stock, voting together as a single class, shall be required to alter, amend or repeal, or to adopt any provision inconsistent with these provisions of the amended and restated certificate of incorporation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Limitations on Liability and Indemnification of Officers and Directors</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our bylaws provide indemnification for our directors and officers to the fullest extent permitted by the DGCL, along with the right to have expenses incurred in defending proceedings paid in advance of their final disposition. Prior to the completion of this offering, we intend to enter into indemnification agreements with each of our directors and executive officers that may, in some cases, be broader than the specific indemnification and advancement provisions contained under our bylaws and provided under Delaware law. In addition, as permitted by Delaware law, our amended and restated certificate of incorporation includes provisions that eliminate the personal liability of our directors for monetary damages resulting from breaches of certain fiduciary duties as a director. The effect of this provision is to restrict our rights and the rights of our stockholders to recover monetary damages against a director for breach of fiduciary duties as a director.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers or persons controlling our company pursuant to the foregoing provisions, we have been informed that, in the opinion of the SEC, such indemnification is against public policy as expressed in the Securities Act, and is, therefore, unenforceable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Dissenters&#8217; Rights of Appraisal and Payment</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Under the DGCL, with certain exceptions, our stockholders will have appraisal rights in connection with a merger or consolidation relating to us. Pursuant to the DGCL, stockholders who properly demand and perfect appraisal rights in connection with such mergers or consolidations will have the right to receive payment of the fair value of their shares as determined by the Delaware Court of Chancery, subject to certain limitations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Stockholders&#8217; Derivative Actions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Under the DGCL, any of our stockholders may bring an action in our name to procure a judgment in our favor, also known as a derivative action, in certain circumstances. Among other things, either the stockholder bringing any such action must be a holder of our shares at the time of the transaction to which the action relates or such stockholder&#8217;s stock must have thereafter devolved by operation of law, and such stockholder must continuously hold shares through the resolution of such action.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">179</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.5pt;">Exclusive Forum</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Our amended and restated certificate of incorporation and bylaws will provide that, unless we consent in writing to the selection of an alternative forum, the Court of Chancery of the State of Delaware will be the exclusive forum for the following types of actions or proceedings under Delaware statutory or common law: (i)&#160;any derivative action or proceeding brought on our behalf; (ii)&#160;any action asserting a claim of breach of fiduciary duty owed by any of our directors, officers or stockholders to us or to our stockholders; (iii)&#160;any action asserting a claim against us arising pursuant to the DGCL, our certificate of incorporation or our bylaws (as either may be amended from time to time); and (iv)&#160;any action asserting a claim against us that is governed by the internal affairs doctrine. As a result, any action brought by any of our stockholders with regard to any of these matters will need to be filed in the Court of Chancery of the State of Delaware and cannot be filed in any other jurisdiction; provided that, the exclusive forum provision will not apply to suits brought to enforce any liability or duty created by the Exchange Act or any other claim for which the federal courts have exclusive jurisdiction; and provided further that, if and only if the Court of Chancery of the State of Delaware dismisses any such action for lack of subject matter jurisdiction, such action may be brought in another state or federal court sitting in the State of Delaware. Furthermore, Section 22 of the Securities Act, creates concurrent jurisdiction for federal and state courts over all suits brought to enforce any duty or liability created by the Securities Act or the rules and regulations thereunder. Consequently, the enforceability of similar choice of forum provisions in other companies&#8217; certificates of incorporation or bylaws has been challenged in legal proceedings, and it is possible that a court could find these types of provisions to be inapplicable or unenforceable. To prevent having to litigate claims in multiple jurisdictions and the threat of inconsistent or contrary rulings by different courts, among other considerations, our amended and restated certificate of incorporation and amended and restated bylaws will also provide that, to the fullest extent permitted by law, the federal district courts of the United States of America will be the exclusive forum for the resolution of any complaint asserting a cause or causes of action against us or any defendant arising under the Securities Act. Such provision is intended to benefit and may be enforced by us, our officers and directors, employees and agents, including the underwriters and any other professional or entity who has prepared or certified any part of this prospectus. While the Delaware courts have determined that such choice of forum provisions are facially valid, the enforceability of similar choice of forum provisions in other companies&#8217; certificates of incorporation or bylaws has been challenged in legal proceedings and a stockholder may nevertheless seek to bring a claim in a venue other than those designated in the exclusive forum provisions. Nothing in our amended and restated certificate of incorporation and amended and restated bylaws preclude stockholders that assert claims under the Exchange Act from bringing such claims in state or federal court, subject to applicable law.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">If any action the subject matter of which is within the scope described above is filed in a court other than a court located within the State of Delaware (a &#8220;Foreign Action&#8221;) in the name of any stockholder, such stockholder shall be deemed to have consented to the personal jurisdiction of the state and federal courts located within the State of Delaware in connection with any action brought in any such court to enforce the applicable provisions of our amended and restated certificate of incorporation and amended and restated bylaws and having service of process made upon such stockholder in any such action by service upon such stockholder&#8217;s counsel in the Foreign Action as agent for such stockholder. Although our amended and restated certificate of incorporation and amended and restated bylaws will contain the choice of forum provision described above, it is possible that a court could find that such a provision is inapplicable for a particular claim or action or that such provision is unenforceable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:7pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">This choice of forum provision may limit a stockholder&#8217;s ability to bring a claim in a judicial forum that it finds favorable for disputes with us or any of our directors, officers, other employees or stockholders, which may discourage lawsuits with respect to such claims or make such lawsuits more costly for stockholders, although our stockholders will not be deemed to have waived our compliance with federal securities laws and the rules and regulations thereunder. For the avoidance of doubt, we note that investors cannot waive compliance with the federal securities laws and the rules and regulations thereunder.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Transfer Agent and Registrar</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The transfer agent and registrar for our common stock is Equiniti Trust Company, LLC.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Trading Symbol and Market</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have applied to list our common stock on the Nasdaq Global Select Market under the symbol &#8220;JCAP.&#8221; </font>
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          <font style="letter-spacing:-0.342pt;">180</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tSEFF">&#8203;</a>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">SHARES ELIGIBLE FOR FUTURE SALE</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Sale of Restricted Shares</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The sale of a substantial amount of our common stock in the public market after this offering could adversely affect the prevailing market price of our common stock. Furthermore, the majority of shares outstanding prior to the completion of this offering will be subject to the contractual and legal restrictions on resale described below. The sale of a substantial amount of common stock in the public market after these restrictions lapse, or the expectation that such a sale may occur, could adversely affect the prevailing market price of our common stock and our ability to raise equity capital in the future.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:7pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Upon completion of this offering, we expect to have outstanding an aggregate of </font><font style="letter-spacing:-0.361pt;">64,813,219</font><font style="letter-spacing:-0.038pt;"> shares of our common stock, assuming no exercise of outstanding options. All of the shares of common stock sold in this offering will be freely transferable without restriction or further registration under the Securities Act by persons other than &#8220;affiliates,&#8221; as that term is defined in Rule&#160;144 under the Securities Act. Generally, the balance of our outstanding shares of common stock are &#8220;restricted securities&#8221; within the meaning of Rule&#160;144 under the Securities Act, and the sale of those shares will be subject to the limitations and restrictions that are described below. Shares of our common stock that are not restricted securities and are purchased by our affiliates will be &#8220;control securities&#8221; under Rule&#160;144. Restricted securities may be sold in the public market only if registered under the Securities Act or if they qualify for an exemption from registration under Rule&#160;144 or Rule&#160;701 under the Securities Act. These rules are summarized below. Control securities may be sold in the public market subject to the restrictions set forth in Rule&#160;144, other than the holding period requirement.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:7pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Upon the expiration (or waiver) of the lock-up agreements described below 180 days after the date of this prospectus, and subject to the provisions of Rule&#160;144, an additional </font><font style="letter-spacing:-0.361pt;">54,813,219</font><font style="letter-spacing:-0.038pt;"> shares will be available for sale in the public market. The sale of these restricted securities is subject, in the case of shares held by affiliates, to the volume restrictions contained in Rule&#160;144.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Rule&#160;144</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In general, under Rule&#160;144 as in effect on the date of this prospectus, beginning 90&#160;days after the completion of this offering, a person who is an affiliate, and who has beneficially owned our common stock for at least six&#160;months, is entitled to sell in any three-month period a number of shares that does not exceed the greater of:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">1% of the number of shares of our common stock then outstanding, which will equal approximately shares immediately after completion of this offering; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the average weekly trading volume in our common stock on Nasdaq during the four calendar weeks preceding the filing of a notice on Form 144 with respect to that sale.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Sales by our affiliates under Rule&#160;144 are also subject to manner of sale provisions and notice requirements and to the availability of current public information about us. An &#8220;affiliate&#8221; is a person that directly, or indirectly through one or more intermediaries, controls or is controlled by, or is under common control with an issuer.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Under Rule&#160;144, a person who is not deemed to have been an affiliate of ours at any time during the 90&#160;days preceding a sale, and who has beneficially owned the shares proposed to be sold for at least six&#160;months, would be entitled to sell those shares subject only to availability of current public information about us, and after beneficially owning such shares for at least 12&#160;months, would be entitled to sell an unlimited number of shares without restriction. To the extent that our affiliates sell their common stock, other than pursuant to Rule&#160;144 or a registration statement, the purchaser&#8217;s holding period for the purpose of effecting a sale under Rule&#160;144 commences on the date of transfer from the affiliate.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">S-8 Registration Statement</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We intend to file a registration statement or statements on Form S-8 under the Securities Act covering shares of common stock reserved for issuance under the 2025 Plan. These registration statements are expected to be filed as soon as practicable after the closing date of this offering. Shares issued upon the exercise of stock options after the effective date of the applicable Form S-8 registration statement will be eligible for resale in the public market without restriction, subject to Rule&#160;144 limitations applicable to affiliates and the lock-up agreements described above.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">181</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:0.5pt;">Lock-Up Agreements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">In connection with this offering, we, our executive officers and directors and the holders of an aggregate of approximately </font><font style="letter-spacing:-0.361pt;">54</font><font style="letter-spacing:-0.038pt;">.8 million shares of our common stock (substantially all of the outstanding shares of our common stock upon completion of the Reorganization that are not being sold in this offering), including the selling stockholders, have agreed with the underwriters not to sell or transfer any common stock or securities convertible into, exchangeable for, exercisable for, or repayable with common stock, for 180 days after the date of this prospectus without first obtaining the written consent of Jefferies LLC and Keefe, Bruyette &amp; Woods, Inc., subject to certain limited exceptions. This lock-up provision applies to common stock and to securities convertible into or exchangeable or exercisable for or repayable with common stock. It also applies to common stock owned now or acquired later by the person executing the agreement or for which the person executing the agreement later acquires the power of disposition. See &#8220;Underwriting&#8221; for a more detailed description of the lock-up restrictions and specified exceptions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Rule&#160;701</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In general, under Rule&#160;701 as in effect on the date of this prospectus, any of our employees, directors, officers, consultants or advisors who purchased shares from us in reliance on Rule&#160;701 in connection with a compensatory stock or option plan or other written agreement before the effective date of this offering, or who purchased shares from us after that date upon the exercise of options granted before that date, are eligible to resell such shares 90&#160;days after the effective date of this offering in reliance upon Rule&#160;144. If such person is not an affiliate, such sale may be made subject only to the manner of sale provisions of Rule&#160;144. If such a person is an affiliate, such sale may be made under Rule&#160;144 without compliance with the holding period requirement, but subject to the other Rule&#160;144 restrictions described above. However, substantially all Rule&#160;701 shares are subject to lock-up agreements as described above and will become eligible for sale in compliance with Rule&#160;144 only upon the expiration of the restrictions set forth in those agreements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Registration Rights</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Pursuant to our Stockholders Agreement, after the completion of this offering, the holders of up to </font><font style="letter-spacing:-0.361pt;">44,668,440 </font><font style="letter-spacing:-0.038pt;">shares of our common stock (or </font><font style="letter-spacing:-0.361pt;">43,721,807 </font><font style="letter-spacing:-0.038pt;">shares if the underwriters exercise in full their option to purchase additional shares of our common stock from the selling stockholders), or certain transferees, will be entitled to certain rights with respect to the registration of the offer and sale of those shares under the Securities Act. See the section titled &#8220;Certain Relationships and Related Party Transactions</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201; </font><font style="letter-spacing:-0.038pt;">Stockholders Agreement&#8221; for a description of these registration rights. If the offer and sale of these shares of our common stock are registered, the shares will be freely tradable without restriction under the Securities Act, subject to the Rule&#160;144 limitations applicable to affiliates, and a large number of shares may be sold into the public market.</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:-0.342pt;">182</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tDOCI">&#8203;</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">DESCRIPTION OF CERTAIN INDEBTEDNESS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Revolving Credit Facility</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">On May&#160;21, 2021, CL Holdings, LLC, a Georgia limited liability company (&#8220;CL Holdings&#8221;), Jefferson Capital Systems, LLC, a Georgia limited liability company (&#8220;JCap&#8221;), JC International Acquisition, LLC, a Georgia limited liability company (&#8220;JCIA&#8221;), entered into that certain Credit Agreement (as amended by Amendment No. 1 to the Credit Agreement, dated as of December&#160;28, 2021, Amendment No. 2 to the Credit Agreement, dated as of February&#160;28, 2022, Amendment No. 3 to the Credit Agreement, dated as of April&#160;26, 2023, Amendment No. 4 to the Credit Agreement, dated as of September&#160;29, 2023, Amendment No. 5 to the Credit Agreement, dated as of June&#160;3, 2024, Amendment No. 6 to the Credit Agreement, dated as of November&#160;13, 2024, and as amended, restated, amended and restated, supplemented or otherwise modified from time to time, the &#8220;Revolving Credit Facility&#8221;) with Citizens Bank, N.A., as administrative agent (in such capacity, the &#8220;Administrative Agent&#8221;), and the lenders from time to time party thereto, which currently, as amended, provides for borrowings in an aggregate principal amount of $825.0&#160;million (subject to compliance with a borrowing base and applicable debt covenants) consisting of either SOFR Loans or Term CORRA Loans and Daily Simple SONIA Loans (each as defined in the Revolving Credit Agreement). Interest on borrowings designated as SOFR Loans, Term CORRA Loans and Daily Simple SONIA Loans accrues at a rate equal to SOFR, the CORRA Rate or Daily Simple </font><font style="letter-spacing:-0.361pt;">SONIA</font><font style="letter-spacing:-0.038pt;"> (each as defined in the Revolving Credit Agreement), as applicable, plus 3.00</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">3.50%. The Revolving Credit Facility also bears a non-use fee of 0.300%</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;0.400% </font><font style="letter-spacing:-0.038pt;">per annum payable quarterly in arrears. The Revolving Credit Facility matures on April&#160;26, 2028.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Revolving Credit Facility is secured by substantially all the assets of each Loan Party (as defined in the Revolving Credit Facility and as also listed as &#8220;Bank Facility Borrowers&#8221; under &#8220;Prospectus Summary&#160;&#8212;</font>&#8203;<font style="letter-spacing:-0.038pt;">Organizational Structure&#8221;), including 100% of the equity interests in each of their domestic subsidiaries and in the case of equity interests in Foreign Subsidiaries, pledges of (A)&#160;100% of the non-voting equity interests in such Foreign Subsidiaries and (B)&#160;65% of the voting equity interests in such Foreign Subsidiaries. The Revolving Credit Facility contains restrictive covenants and events of default, including the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
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        <div style=" margin-top:4.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">The Senior Leverage Ratio (as defined in the Revolving Credit Facility) shall not exceed 2.50 to 1.00;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Leverage Ratio (as defined in the Revolving Credit Facility) shall not exceed 3.25 to 1.00;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Maintenance of a Fixed Charge Coverage Ratio (as defined in the Revolving Credit Facility) of at least 1.25 to 1.00;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Maintenance of a Tangible Net Worth (as defined in the Revolving Credit Facility) in an amount not less than $56.0&#160;million, plus 50% of Consolidated Net Income (as defined in the Revolving Credit Facility) of JCap Intermediate LLC, a Delaware limited liability company, and its restricted subsidiaries earned during each calendar quarter;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Maintenance of minimum actual collections of at least 85% of the projected collections for each 12-month period, as of the last day of each calendar quarter; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Limitations on investments and transactions with affiliates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On December&#160;28, 2021, CL Holdings, JCap, JCIA and the Administrative Agent and the lenders party thereto entered into Amendment No. 1 to the Revolving Credit Facility to, among other things, transition the interest rate benchmark for Sterling loans from LIBOR to Sterling Overnight Index Average plus 3.26 basis points.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">On February&#160;28, 2022, CL Holdings, JCap, JCIA and CFG Canada Funding, LLC (&#8220;CFG Canada&#8221; and, together with CL Holdings, JCap and JCIA, the &#8220;Borrowers&#8221;), the Administrative Agent and the lenders party thereto entered into Amendment No. 2 to the Revolving Credit Facility to, among other things, add a new $150.0&#160;million Canadian sub-facility to go alongside the $35.0&#160;million U.K. sub-facility and to add CFG Canada Funding LLC as a new borrower under such Canadian sub-facility and pledge its assets and stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On April&#160;26, 2023, the Borrowers, the Administrative Agent and the lenders party thereto entered into Amendment No. 3 to the Revolving Credit Facility to, among other things, increase its aggregate commitment amount from its initial size of $500.0&#160;million to $600.0&#160;million, extend the maturity date from May&#160;21,&#160;2024 to April&#160;26, 2028, transition the interest rate benchmark for U.S. dollar loans from LIBOR to term secured overnight financing rate plus 10 basis points and increase the U.K sub-facility to $50.0&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">183</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On September&#160;29, 2023, the Borrowers, the Administrative Agent and the lenders party thereto entered into Amendment No. 4 to the Revolving Credit Facility to, among other things, increase its aggregate commitment amount from $600.0&#160;million to $750.0&#160;million and reduce the Canadian sub-facility to $85.0&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On June&#160;3, 2024, the Borrowers, the Administrative Agent and the lenders party thereto entered into Amendment No. 5 to the Revolving Credit Facility, to among other things, transition interest rate benchmark from CDOR to term Canadian overnight repo rate average plus 10 basis points.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On November&#160;13, 2024, the Borrowers, the Administrative Agent and the lenders party thereto entered into Amendment No. 6 to the Revolving Credit Facility, to among other things, increase its aggregate commitment amount from $750.0&#160;million to $825.0&#160;million and increase the Canadian sub-facility by $25.0&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, there were $524.3 million aggregate principal amount of loans outstanding under the Revolving Credit Facility. We were in compliance with the restrictive covenants under the Revolving Credit Facility as of March&#160;31, 2025.</font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In May 2025, we issued $500 million aggregate principal amount of 2030 Notes and used a majority of the proceeds therefrom, net of fees, to pay down the outstanding balance under the Revolving Credit Facility.</font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">6.000% Senior Notes due 2026</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On August&#160;4, 2021, Jefferson Capital Holdings, LLC completed an offering of $300.0&#160;million aggregate principal amount of 6.000% senior notes due 2026 (the &#8220;2026 Notes&#8221;) under an indenture (the &#8220;2026 Notes Indenture&#8221;), dated as of August&#160;4, 2021, among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association (as successor to U.S. Bank National Association), as trustee. The 2026 Notes are general senior unsecured obligations of Jefferson Capital Holdings, LLC and are guaranteed by certain of Jefferson Capital Holdings, LLC&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2026 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on February&#160;15, 2022. The 2026 Notes mature on August&#160;15, 2026.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">At any time and from time to time prior to August&#160;15, 2023, the 2026 Notes may be redeemed at Jefferson Capital Holdings, LLC&#8217;s option, in whole or in part, at a redemption price equal to 100% of the principal amount of the 2026 Notes redeemed, plus accrued and unpaid interest thereon, if any, to but excluding the applicable date of redemption, subject to the rights of holders of 2026 Notes on the relevant record date to receive interest due on the relevant interest payment date, plus the applicable premium as of the applicable redemption date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The 2026 Notes may be redeemed, at Jefferson Capital Holdings, LLC&#8217;s option, in whole or in part, at any time and from time to time, at the redemption prices set forth below. The 2026 Notes will be redeemable at the redemption prices (expressed as&#160;percentages of principal amount of the 2026 Notes to be redeemed) set forth below plus accrued and unpaid interest thereon, if any, to but excluding the applicable redemption date, subject to the right of holders of the 2026 Notes on the relevant record date to receive interest due on the relevant interest payment date, if redeemed during the 12-month period beginning on August&#160;15 of each of the&#160;years indicated below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:401.18pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percentage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">101.500<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">2025 and thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">100.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.3pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The 2026 Notes Indenture contains covenants that limit Jefferson Capital Holdings, LLC&#8217;s ability and the ability of Jefferson Capital Holdings, LLC&#8217;s restricted subsidiaries to, among other things: (i)&#160;incur or guarantee additional debt; (ii)&#160;incur certain liens; (iii)&#160;make certain investments; (iv)&#160;create restrictions on the payment of dividends or other amounts from Jefferson Capital Holdings, LLC&#8217;s restricted subsidiaries that are not guarantors under the 2026 Notes Indenture; (v)&#160;enter into certain transactions with affiliates; (vi)&#160;merge or consolidate with another person, or sell or otherwise dispose of all or substantially all of Jefferson Capital Holdings, LLC&#8217;s assets; (vii)&#160;sell certain assets, including capital stock of Jefferson Capital Holdings, LLC&#8217;s subsidiaries; (x)&#160;designate Jefferson Capital Holdings, LLC&#8217;s subsidiaries as unrestricted subsidiaries; and (xi)&#160;pay dividends, redeem or repurchase capital stock or make other restricted payments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">184</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, there was approximately $300.0 million aggregate principal amount of the 2026 Notes outstanding.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">9.500% Senior Notes due 2029</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On February&#160;2, 2024, Jefferson Capital Holdings, LLC completed an offering of $400.0&#160;million aggregate principal amount of 9.500% senior notes due 2029 (the &#8220;2029 Notes&#8221;) under an indenture (the &#8220;2029 Notes Indenture&#8221;), dated as of February&#160;2, 2024, among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee. The 2029 Notes are general senior unsecured obligations of Jefferson Capital Holdings, LLC and are guaranteed by certain of Jefferson Capital Holdings, LLC&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2029 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on August&#160;15, 2024. The 2029 Notes mature on February&#160;15, 2029.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">At any time and from time to time prior to February&#160;15, 2026, the 2029 Notes may be redeemed at Jefferson Capital Holdings, LLC&#8217;s option, in whole or in part, at a redemption price equal to 100% of the principal amount of the 2029 Notes redeemed, plus accrued and unpaid interest thereon, if any, to but excluding the applicable date of redemption, subject to the rights of holders of 2029 Notes on the relevant record date to receive interest due on the relevant interest payment date, plus the applicable premium as of the applicable redemption date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On and after February&#160;15, 2026, the 2029 Notes may be redeemed, at Jefferson Capital Holdings, LLC&#8217;s option, in whole or in part, at any time and from time to time, at the redemption prices set forth below. The 2029 Notes will be redeemable at the redemption prices (expressed as&#160;percentages of principal amount of the 2029 Notes to be redeemed) set forth below plus accrued and unpaid interest thereon, if any, to but excluding the applicable redemption date, subject to the right of holders of the 2029 Notes on the relevant record date to receive interest due on the relevant interest payment date, if redeemed during the 12-month period beginning on February&#160;15 of each of the&#160;years indicated below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:401.18pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percentage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">104.750<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2027 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">102.375<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">2028 and thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">100.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The 2029 Notes Indenture contains covenants that limit Jefferson Capital Holdings, LLC&#8217;s ability and the ability of Jefferson Capital Holdings, LLC&#8217;s restricted subsidiaries to, among other things: (i)&#160;incur or guarantee additional debt; (ii)&#160;incur certain liens; (iii)&#160;make certain investments; (iv)&#160;create restrictions on the payment of dividends or other amounts from Jefferson Capital Holdings, LLC&#8217;s restricted subsidiaries that are not guarantors under the 2029 Notes Indenture; (v)&#160;enter into certain transactions with affiliates; (vi)&#160;merge or consolidate with another person, or sell or otherwise dispose of all or substantially all of Jefferson Capital Holdings, LLC&#8217;s assets; (vii)&#160;sell certain assets, including capital stock of Jefferson Capital Holdings, LLC&#8217;s subsidiaries; (x)&#160;designate Jefferson Capital Holdings, LLC&#8217;s subsidiaries as unrestricted subsidiaries; and (xi)&#160;pay dividends, redeem or repurchase capital stock or make other restricted payments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, there was approximately $400.0 million aggregate principal amount of the 2029 Notes outstanding.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">8.250% Senior Notes due 2030</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On May&#160;2, 2025, Jefferson Capital Holdings, LLC completed an offering of $500.0&#160;million aggregate principal amount of 8.250% senior notes due 2030 (the &#8220;2030 Notes&#8221;) under an indenture (the &#8220;2030 Notes Indenture&#8221;), dated as of May&#160;2, 2025, among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee. The 2030 Notes are general senior unsecured obligations of Jefferson Capital Holdings, LLC and are guaranteed by certain of Jefferson Capital Holdings, LLC&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2030 Notes is payable semi-annually on May&#160;15 and November&#160;15 of each year, commencing on November&#160;15, 2025. The 2030 Notes mature on May&#160;15, 2030.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">185</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:268pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">At any time and from time to time prior to May&#160;15, 2027, the 2030 Notes may be redeemed at Jefferson Capital Holdings, LLC&#8217;s option, in whole or in part, at a redemption price equal to 100% of the principal amount of the 2030 Notes redeemed, plus accrued and unpaid interest thereon, if any, to but excluding the applicable date of redemption, subject to the rights of holders of 2030 Notes on the relevant record date to receive interest due on the relevant interest payment date, plus the applicable premium as of the applicable redemption date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On and after May&#160;15, 2027, the 2030 Notes may be redeemed, at Jefferson Capital Holdings, LLC&#8217;s option, in whole or in part, at any time and from time to time, at the redemption prices set forth below. The 2030 Notes will be redeemable at the redemption prices (expressed as&#160;percentages of principal amount of the 2030 Notes to be redeemed) set forth below plus accrued and unpaid interest thereon, if any, to but excluding the applicable redemption date, subject to the right of holders of the 2030 Notes on the relevant record date to receive interest due on the relevant interest payment date, if redeemed during the 12-month period beginning on May&#160;15 of each of the&#160;years indicated below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:401.18pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">DATES </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">PERCENTAGE </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2027 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">104.125<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2028 </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">102.063<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:401.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">2029 and thereafter </font>
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            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">100.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:2.55pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
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        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The 2030 Notes Indenture contains covenants that limit Jefferson Capital Holdings, LLC&#8217;s ability and the ability of Jefferson Capital Holdings, LLC&#8217;s restricted subsidiaries to, among other things: (i)&#160;incur or guarantee additional debt; (ii)&#160;incur certain liens; (iii)&#160;make certain investments; (iv)&#160;create restrictions on the payment of dividends or other amounts from Jefferson Capital Holdings, LLC&#8217;s restricted subsidiaries that are not guarantors under the 2030 Notes Indenture; (v)&#160;enter into certain transactions with affiliates; (vi)&#160;merge or consolidate with another person, or sell or otherwise dispose of all or substantially all of Jefferson Capital Holdings, LLC&#8217;s assets; (vii)&#160;sell certain assets, including capital stock of Jefferson Capital Holdings, LLC&#8217;s subsidiaries; (x)&#160;designate Jefferson Capital Holdings, LLC&#8217;s subsidiaries as unrestricted subsidiaries; and (xi)&#160;pay dividends, redeem or repurchase capital stock or make other restricted payments. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">186</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tMUFI">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES TO NON-U.S. HOLDERS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:18pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The following discussion is a summary of the material U.S. federal income tax consequences to Non-U.S. Holders (as defined herein) of the purchase, ownership and disposition of our common stock issued pursuant to this offering, but does not purport to be a complete analysis of all potential tax effects. The effects of other U.S. federal tax laws, such as estate and gift tax laws, and any applicable state, local or non-U.S. tax laws are not discussed. This discussion is based on the Code, Treasury Regulations promulgated thereunder, judicial decisions, and published rulings and administrative pronouncements of the U.S. Internal Revenue Service, or the IRS, in each case in effect as of the date hereof. These authorities may change or be subject to differing interpretations. Any such change or differing interpretation may be applied retroactively in a manner that could adversely affect a Non-U.S. Holder. We have not sought and will not seek any rulings from the IRS regarding the matters discussed below. There can be no assurance the IRS or a court will not take a contrary position to that discussed below regarding the tax consequences of the purchase, ownership and disposition of our common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">This discussion is limited to Non-U.S. Holders that hold our common stock as a &#8220;capital asset&#8221; within the meaning of Section&#160;1221 of the Code (generally, property held for investment). This discussion does not address all U.S. federal income tax consequences relevant to a Non-U.S. Holder&#8217;s particular circumstances, including the impact of the Medicare contribution tax on net investment income or the alternative minimum tax. In addition, it does not address consequences relevant to Non-U.S. Holders subject to special rules, including, without limitation:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.5pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:4.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">U.S. expatriates and former citizens or long-term residents of the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">persons holding our common stock as part of a hedge, straddle or other risk reduction strategy or as part of a conversion transaction or other integrated investment;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">banks, insurance companies, and other financial institutions;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">brokers, dealers or traders in securities;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;controlled foreign corporations,&#8221; &#8220;passive foreign investment companies,&#8221; and corporations that accumulate earnings to avoid U.S. federal income tax;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">partnerships or other entities or arrangements treated as partnerships for U.S. federal income tax purposes (and investors therein);</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">tax-exempt organizations or governmental organizations;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">persons deemed to sell our common stock under the constructive sale provisions of the Code;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">persons who hold or receive our common stock pursuant to the exercise of any employee stock option or otherwise as compensation;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.99pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">tax-qualified retirement plans; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.98pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:5.98pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;qualified foreign pension funds&#8221; as defined in Section&#160;897(l)(2) of the Code and entities all of the interests of which are held by qualified foreign pension funds.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">If an entity treated as a partnership for U.S. federal income tax purposes holds our common stock, the tax treatment of a partner in the partnership will depend on the status of the partner, the activities of the partnership and certain determinations made at the partner level. Accordingly, partnerships holding our common stock and the partners in such partnerships should consult their tax advisors regarding the U.S. federal income tax consequences to them.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">INVESTORS SHOULD CONSULT THEIR TAX ADVISORS WITH RESPECT TO THE APPLICATION OF THE U.S. FEDERAL INCOME TAX LAWS TO THEIR PARTICULAR SITUATIONS AS WELL AS ANY TAX CONSEQUENCES OF THE PURCHASE, OWNERSHIP AND DISPOSITION OF OUR COMMON STOCK ARISING UNDER THE U.S. FEDERAL ESTATE OR GIFT TAX LAWS OR UNDER THE LAWS OF ANY STATE, LOCAL OR NON-U.S. TAXING JURISDICTION OR UNDER ANY APPLICABLE INCOME TAX TREATY.</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">187</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.5pt;">Definition of a Non-U.S. Holder</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">For purposes of this discussion, a &#8220;Non-U.S. Holder&#8221; is any beneficial owner of our common stock that is neither a &#8220;U.S. person&#8221; nor an entity treated as a partnership for U.S. federal income tax purposes. A U.S. person is any person that, for U.S. federal income tax purposes, is or is treated as any of the following:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">an individual who is a citizen or resident of the United States;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">a corporation created or organized under the laws of the United States, any state thereof, or the District of Columbia;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">an estate, the income of which is subject to U.S. federal income tax regardless of its source; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">a trust that (1)&#160;is subject to the primary supervision of a U.S. court and one or more &#8220;United States persons&#8221; &#8203;(within the meaning of Section&#160;7701(a)(30) of the Code) have the authority to control substantial decisions of the trust, or (2)&#160;has a valid election in effect under applicable U.S. Treasury Regulations to be treated as a United States person for U.S. federal income tax purposes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Distributions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">As described in the section titled &#8220;Dividend Policy,&#8221; subject to the discretion of our board of directors and applicable provisions of the DGCL, we anticipate declaring and paying quarterly cash dividends to holders of our common stock. If we do make distributions of cash or property on our common stock, such distributions will constitute dividends for U.S. federal income tax purposes to the extent paid from our current or accumulated earnings and profits, as determined under U.S. federal income tax principles. Because we may not know the extent to which a distribution is a dividend for U.S. federal income tax purposes at the time it is made, for purposes of the withholding rules discussed below, we or the applicable withholding agent may treat the entire distribution as a dividend. Amounts not treated as dividends for U.S. federal income tax purposes will constitute a return of capital and first be applied against and reduce a Non-U.S. Holder&#8217;s adjusted tax basis in its common stock, but not below zero. Any excess will be treated as capital gain and will be treated as described below under &#8220;&#8212; Sale or Other Taxable Disposition.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Subject to the discussion below on effectively connected income, dividends paid to a Non-U.S. Holder of our common stock will be subject to U.S. federal withholding tax at a rate of 30% of the gross amount of the dividends (or such lower rate specified by an applicable income tax treaty, provided the Non-U.S. Holder furnishes a valid IRS Form W-8BEN or W-8BEN-E (or other applicable documentation) certifying qualification for the lower treaty rate). A Non-U.S. Holder that does not timely furnish the required documentation, but that qualifies for a reduced treaty rate, may obtain a refund of any excess amounts withheld by timely filing an appropriate claim for refund with the IRS. Non-U.S. Holders should consult their tax advisors regarding their entitlement to benefits under any applicable income tax treaty.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">If dividends paid to a Non-U.S. Holder are effectively connected with the Non-U.S. Holder&#8217;s conduct of a trade or business within the United States (and, if required by an applicable income tax treaty, the Non-U.S. Holder maintains a permanent establishment in the United States to which such dividends are attributable), the Non-U.S. Holder will be exempt from the U.S. federal withholding tax described above. To claim the exemption, the Non-U.S. Holder must furnish to the applicable withholding agent a valid IRS Form W-8ECI, certifying that the dividends are effectively connected with the Non-U.S. Holder&#8217;s conduct of a trade or business within the United States.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Any such effectively connected dividends will be subject to U.S. federal income tax on a net income basis at the rates applicable to United States persons. A Non-U.S. Holder that is a corporation also may be subject to a branch profits tax at a rate of 30% (or such lower rate specified by an applicable income tax treaty) on such effectively connected dividends, as adjusted for certain items. Non-U.S. Holders should consult their tax advisors regarding any applicable tax treaties that may provide for different rules.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Sale or Other Taxable Disposition</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Subject to the discussion below regarding backup withholding, a Non-U.S. Holder will generally not be subject to U.S. federal income tax on any gain realized upon the sale or other taxable disposition of our common stock unless:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">the gain is effectively connected with the Non-U.S. Holder&#8217;s conduct of a trade or business within the United States (and, if required by an applicable income tax treaty, the Non-U.S. Holder maintains a permanent establishment in the United States to which such gain is attributable);</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">188</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">the Non-U.S. Holder is a nonresident alien individual present in the United States for 183&#160;days or more during the taxable year of the disposition and certain other requirements are met; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">our common stock constitutes a U.S. real property interest, or USRPI, by reason of our status as a U.S. real property holding corporation, or USRPHC, for U.S. federal income tax purposes at any time within the shorter of the five-year period preceding such disposition or such Non-U.S. Holder&#8217;s holding period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Gain described in the first bullet point above generally will be subject to U.S. federal income tax on a net income basis at the rates applicable to United States persons. A Non-U.S. Holder that is a corporation also may be subject to a branch profits tax at a rate of 30% (or such lower rate specified by an applicable income tax treaty) on such effectively connected gain, as adjusted for certain items.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">A Non-U.S. Holder described in the second bullet point above will be subject to U.S. federal income tax at a rate of 30% (or such lower rate specified by an applicable income tax treaty) on gain realized upon the sale or other taxable disposition of our common stock, which may be offset by certain U.S.-source capital losses of the Non-U.S. Holder (even though the individual is not considered a resident of the United States), provided the Non-U.S. Holder has timely filed U.S. federal income tax returns with respect to such losses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">With respect to the third bullet point above, we believe we currently are not, and do not anticipate becoming, a USRPHC. Because the determination of whether we are a USRPHC depends, however, on the fair market value of our USRPIs relative to the fair market value of our non-U.S. real property interests and our other business assets, there can be no assurance we currently are not a USRPHC or will not become one in the future. Even if we are or were to become a USRPHC, gain arising from the sale or other taxable disposition of our common stock by a Non-U.S. Holder will not be subject to U.S. federal income tax if our common stock is &#8220;regularly traded,&#8221; as defined by applicable Treasury Regulations, on an established securities market, and such Non-U.S. Holder owned, actually and constructively, 5% or less of our common stock throughout the shorter of the five-year period ending on the date of the sale or other taxable disposition or the Non-U.S. Holder&#8217;s holding period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Non-U.S. Holders should consult their tax advisors regarding potentially applicable income tax treaties that may provide for different rules.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Information Reporting and Backup Withholding</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Payments of dividends on our common stock will not be subject to backup withholding, provided the Non-U.S. Holder certifies its non-U.S. status, such as by furnishing a valid IRS Form W-8BEN, W-8BEN-E or W-8ECI, or otherwise establishes an exemption. However, information returns are required to be filed with the IRS in connection with any distributions on our common stock paid to the Non-U.S. Holder, regardless of whether any tax was actually withheld. In addition, proceeds of the sale or other taxable disposition of our common stock within the United States or conducted through certain U.S.-related brokers generally will not be subject to backup withholding or information reporting if the applicable withholding agent receives the certification described above or the Non-U.S. Holder otherwise establishes an exemption. Proceeds of a disposition of our common stock conducted through a non-U.S. office of a non-U.S. broker that does not have certain enumerated relationships with the United States generally will not be subject to backup withholding or information reporting.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Copies of information returns that are filed with the IRS may also be made available under the provisions of an applicable treaty or agreement to the tax authorities of the country in which the Non-U.S. Holder resides or is established.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Backup withholding is not an additional tax. Any amounts withheld under the backup withholding rules may be allowed as a refund or a credit against a Non-U.S. Holder&#8217;s U.S. federal income tax liability, provided the required information is timely furnished to the IRS.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Additional Withholding Tax on Payments Made to Foreign Accounts</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Withholding taxes may be imposed under Sections&#160;1471 to 1474 of the Code (such Sections commonly referred to as the Foreign Account Tax Compliance Act, or FATCA) on certain types of payments made to non-U.S. financial institutions and certain other non-U.S. entities. Specifically, a 30% withholding tax may </font>
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          <font style="letter-spacing:-0.342pt;">189</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">be imposed on dividends on, or (subject to the proposed Treasury Regulations discussed below) gross proceeds from the sale or other disposition of, our common stock paid to a &#8220;foreign financial institution&#8221; or a &#8220;non-financial foreign entity&#8221; &#8203;(each as defined in the Code), unless (1)&#160;the foreign financial institution undertakes certain diligence and reporting obligations, (2)&#160;the non-financial foreign entity either certifies it does not have any &#8220;substantial United States owners&#8221; &#8203;(as defined in the Code) or furnishes identifying information regarding each substantial United States owner, or (3)&#160;the foreign financial institution or non-financial foreign entity otherwise qualifies for an exemption from these rules. If the payee is a foreign financial institution and is subject to the diligence and reporting requirements in (1)&#160;above, it must enter into an agreement with the U.S. Department of the Treasury requiring, among other things, that it undertake to identify accounts held by certain &#8220;specified United States persons&#8221; or &#8220;United States owned foreign entities&#8221; (each as defined in the Code), annually report certain information about such accounts, and withhold 30% on certain payments to non-compliant foreign financial institutions and certain other account holders. Foreign financial institutions located in jurisdictions that have an intergovernmental agreement with the United States governing FATCA may be subject to different rules.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Under the applicable Treasury Regulations and administrative guidance, withholding under FATCA generally applies to payments of dividends on our common stock. While withholding under FATCA would have applied also to payments of gross proceeds from the sale or other disposition of our common stock on or after January&#160;1, 2019, proposed Treasury Regulations eliminate FATCA withholding on payments of gross proceeds entirely. Taxpayers generally may rely on these proposed Treasury Regulations until final Treasury Regulations are issued. </font>
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          <font style="letter-spacing:-0.038pt;">Prospective investors should consult their tax advisors regarding the potential application of withholding under FATCA to their investment in our common stock.</font>
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          <font style="letter-spacing:-0.342pt;">190</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tUND">&#8203;</a>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">UNDERWRITING</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Subject to the terms and conditions set forth in the underwriting agreement, dated &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025, among us, the selling stockholders and Jefferies LLC and Keefe, Bruyette &amp; Woods, Inc., as the representatives of the underwriters named below and the joint book-running managers of this offering, we and the selling stockholders have agreed to sell to the underwriters, and each of the underwriters has agreed, severally and not jointly, to purchase from us and the selling stockholders, the respective number of shares of common stock shown opposite its name below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:391.78pt;">
                <div style="white-space:nowrap;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Underwriter </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Number of </font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:391.78pt;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Jefferies LLC </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt;text-align:center;" colspan="4">
                <div style="text-align:center;">
                  <font style="margin-left:23.2pt;letter-spacing:-0.361pt;">&#8199;&#8199;&#8199;&#8199;&#8199; </font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Keefe, Bruyette &amp; Woods, Inc. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Citizens JMP Securities, LLC</font>
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                  <font style="letter-spacing:-0.038pt;">Raymond James &amp; Associates, Inc.</font>
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                  <font style="letter-spacing:-0.038pt;">Truist Securities, Inc.</font>
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                  <font style="letter-spacing:-0.038pt;">Capital One Securities, Inc.</font>
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                  <font style="letter-spacing:-0.038pt;">DNB Markets, Inc.</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
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              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
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              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
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                  <font style="letter-spacing:-0.038pt;">Regions Securities LLC</font>
                </div>
              </td>
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            </tr>
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                  <font style="letter-spacing:-0.038pt;">Synovus Securities, Inc.</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
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              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">FHN Financial Securities Corp</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">ING Financial Markets LLC</font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 3pt 0pt; width:391.78pt;text-align:left;">
                <div style="margin-left:9.5pt;">
                  <font style="letter-spacing:-0.038pt;">Total </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">10,000,000</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
            </tr>
          </table>

        <div style="margin-top:7.6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The underwriting agreement provides that the obligations of the several underwriters are subject to certain conditions precedent such as the receipt by the underwriters of officers&#8217; certificates and legal opinions and approval of certain legal matters by their counsel. The underwriting agreement provides that the underwriters will purchase all of the shares of common stock if any of them are purchased. If an underwriter defaults, the underwriting agreement provides that the purchase commitments of the nondefaulting underwriters may be increased or the underwriting agreement may be terminated. We and the selling stockholders have agreed to indemnify the underwriters and certain of their controlling persons against certain liabilities, including liabilities under the Securities Act, and to contribute to payments that the underwriters may be required to make in respect of those liabilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The underwriters have advised us that, following the completion of this offering, they currently intend to make a market in the common stock as permitted by applicable laws and regulations. However, the underwriters are not obligated to do so, and the underwriters may discontinue any market-making activities at any time without notice in their sole discretion. Accordingly, no assurance can be given as to the liquidity of the trading market for the common stock, that you will be able to sell any of the common stock held by you at a particular time or that the prices that you receive when you sell will be favorable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The underwriters are offering the shares of common stock subject to their acceptance of the shares of common stock from us and the selling stockholders and subject to prior sale. The underwriters reserve the right to withdraw, cancel or modify offers to the public and to reject orders in whole or in part. In addition, the underwriters have advised us that they do not intend to confirm sales to any account over which they exercise discretionary authority</font><font style="letter-spacing:-0.361pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Commission and Expenses</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The underwriters have advised us that they propose to offer the shares of common stock to the public at the initial public offering price set forth on the cover page of this prospectus and to certain dealers, which may include the underwriters, at that price less a concession not in excess of </font><font style="letter-spacing:-0.361pt;">&#8199;&#8199;&#8199;&#8199;&#8199;</font><font style="letter-spacing:-0.038pt;"> per share of common stock. After the offering, the initial public offering price, concession and reallowance to dealers may be reduced by </font>
          </div>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">191</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">the representatives. No such reduction will change the amount of proceeds to be received by us and the selling stockholders as set forth on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table shows the public offering price, the underwriting discounts and commissions that we and the selling stockholders are to pay the underwriters and the proceeds, before expenses, to us and the selling stockholders in connection with this offering. Such amounts are shown assuming both no exercise and full exercise of the underwriters&#8217; option to purchase additional shares.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:251.53pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Per Share </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:251.53pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Without</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Option to </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Additional </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">With</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Option to </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Additional </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Without</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Option to </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Additional </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">With</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Option to </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Purchase </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Additional </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Shares </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:251.53pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Public offering price </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8199;&#8199;&#8199;&#8199;&#8199;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:251.53pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Underwriting discounts and commissions paid by us </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:251.53pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Proceeds to us, before expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:251.53pt;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Underwriting discounts and commissions paid by the selling </font>
                <br >
                <font style="letter-spacing:-0.038pt;">stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:251.53pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Proceeds to the selling stockholders, before expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:24pt; text-align:right; white-space:nowrap;"> </td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.15pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>

          <div style="margin-top:7.6pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We estimate that the total expenses of the offering, other than the underwriting discounts and commissions referred to above, will be approximately $</font><font style="letter-spacing:-0.361pt;">&#8199;&#8199;&#8199;&#8199;&#8199;</font><font style="letter-spacing:-0.038pt;"> and are payable by us</font><font style="letter-spacing:-0.361pt;">.</font><font style="letter-spacing:-0.038pt;"> We have agreed to reimburse the underwriters for certain of their expenses relating to clearance of this offering with the Financial Industry Regulatory Authority up to $40,000</font><font style="letter-spacing:-0.361pt;">.</font><font style="letter-spacing:-0.038pt;"> The underwriters have also agreed to reimburse the Company for certain expenses in connection with the offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Determination of Offering Price</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Prior to this offering, there has not been a public market for our common stock. Consequently, the initial public offering price for our common stock will be determined by negotiations between us, the selling stockholders and the representatives. Among the factors to be considered in these negotiations will be prevailing market conditions, our financial information, market valuations of other companies that we and the underwriters believe to be comparable to us, estimates of our business potential, the present state of our development and other factors deemed relevant.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We offer no assurances that the initial public offering price will correspond to the price at which the common stock will trade in the public market subsequent to the offering or that an active trading market for the common stock will develop and continue after the offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Listing</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have applied to have our common stock approved for listing on the Nasdaq Global Select Market under the trading symbol &#8220;JCAP.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Stamp Taxes</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">If you purchase shares of common stock offered in this prospectus, you may be required to pay stamp taxes and other charges under the laws and practices of the country of purchase, in addition to the offering price listed on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Option to Purchase Additional Shares</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The selling stockholders (including certain members of management) have granted to the underwriters an option, exercisable for 30&#160;days from the date of this prospectus, to purchase, from time to time, in whole or in part, up to an aggregate of </font><font style="letter-spacing:-0.361pt;">1,500,000 </font><font style="letter-spacing:-0.038pt;">shares from the selling stockholders at the public offering price set forth on the cover page of this prospectus, less underwriting discounts and commissions. If the underwriters exercise this option, each underwriter will be obligated, subject to specified conditions, to purchase a </font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">192</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">number of additional shares proportionate to that underwriter&#8217;s initial purchase commitment as indicated in the table above. This option may be exercised only if the underwriters sell more shares than the total number set forth on the cover page of this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">No Sales of Similar Securities</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">We, our officers, directors and the holders of substantially all of the outstanding shares of our common stock upon completion of the Reorganization that are not being sold in this offering, including the selling stockholders, have agreed, subject to specified exceptions, not to directly or indirectly:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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            <font style="letter-spacing:-0.038pt;">sell, offer to sell, contract to sell or lend, effect any short sale or establish or increase a &#8220;put equivalent position&#8221; within the meaning of Rule&#160;16a-1(h) under the Exchange Act or liquidate or decrease any &#8220;call equivalent position&#8221; within the meaning of Rule 16a-1(b) under the Exchange Act, pledge, hypothecate or grant any security interest in, or in any other way transfer or dispose of, in each case whether effected directly or indirectly, any shares of common stock or any options or warrants or other rights to acquire shares of common stock or any securities exchangeable or exercisable for or convertible into shares of common stock, or to acquire other securities or rights ultimately exchangeable or exercisable for or convertible into shares (&#8220;Related Securities&#8221;), currently or hereafter owned either of record or beneficially (as defined in Rule&#160;13d-3 under the Exchange Act) by the securityholder or by any family member (as defined in the lock-up agreement) of the securityholder, or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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            <font style="letter-spacing:-0.038pt;">enter into any swap, hedge or similar arrangement that transfers, in whole or in part, the economic risk of ownership of shares of common stock or Related Securities, regardless of whether any such transaction is to be settled in securities, in cash or otherwise, or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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            <font style="letter-spacing:-0.038pt;">make any demand for, or exercise any right with respect to, the registration under the Securities Act of the offer and sale of any shares of common stock or Related Securities, or cause to be filed a registration statement, prospectus or prospectus supplement (or an amendment or supplement thereto) with respect to any such registration (other than in connection with the exercise of registration rights under the Stockholders Agreement referred to herein; provided that such exercise of registration rights does not result in the public filing of a registration statement or any public announcement during the Lock-up Period and, for the avoidance of doubt, a confidential submission of such registration statement with the Securities and Exchange Commission shall not constitute a public filing during the Lock-up Period), or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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            <font style="letter-spacing:-0.038pt;">publicly announce an intention to do any of the foregoing.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">The foregoing restrictions terminate after the close of trading of the common stock on and including the 180th day after the date of this prospectus (the &#8220;Lock-up Period&#8221;).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Notwithstanding the foregoing, the securityholder may transfer shares of common stock or Related Securities:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(i)</font>
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            <font style="letter-spacing:-0.038pt;">as a bona fide gift or charitable contribution;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(ii)</font>
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            <font style="letter-spacing:-0.038pt;">by will, other testamentary document or intestate succession upon the death of the securityholder or for bona fide estate planning purposes;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(iii)</font>
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            <font style="letter-spacing:-0.038pt;">to any trust for the direct or indirect benefit of the securityholder or a family member (as defined in the lock-up agreement) of the securityholder;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(iv)</font>
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            <font style="letter-spacing:-0.038pt;">to any family member of the securityholder;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(v)</font>
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            <font style="letter-spacing:-0.038pt;">by operation of law pursuant to a court order or a settlement agreement related to the distribution of assets in connection with the dissolution of a marriage or civil union;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(vi)</font>
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          <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
            <font style="letter-spacing:-0.038pt;">to any corporation, partnership, limited liability company or other entity all of the beneficial ownership interests of which, in each case, are held by the securityholder and/or by family members;</font><font style="letter-spacing:-0.361pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(vii)</font>
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            <font style="letter-spacing:-0.038pt;">if the securityholder is a corporation, partnership, limited liability company, trust or other business entity, as part of a distribution by such securityholder to its stockholders, partners, members or other equityholders or to the estate of any such stockholders, partners, members or other equityholders;</font><font style="letter-spacing:-0.361pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">193</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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            <font style="letter-spacing:-0.038pt;">(viii)</font>
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          <div style=" line-height:12pt; text-align:left; margin-left:40pt;">
            <font style="letter-spacing:-0.038pt;">to any affiliate of the securityholder, including investment funds or other entities under common control or management that are affiliates of the securityholder (including, for the avoidance of doubt, where the securityholder is a partnership, to its general partner or a successor partnership or fund, or any other funds managed by such partnership);</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(ix)</font>
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            <font style="letter-spacing:-0.038pt;">acquired in this offering or in open market transactions on or after the completion of this offering, if the securityholder is not an officer or director of the Company;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(x)</font>
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            <font style="letter-spacing:-0.038pt;">in connection with the vesting or settlement of restricted stock&#160;units or the exercise of options or other rights to purchase shares of common stock (including, in each case, by way of &#8220;net&#8221; or &#8220;cashless&#8221; exercise), including any transfer, sale or other disposition to us for the payment of exercise price, tax withholdings or remittance payments due as a result of the vesting, settlement or exercise of such restricted stock&#160;units, options or rights; provided that any such restricted stock&#160;units and options to purchase shares of common stock were granted under an equity incentive plan or other equity award plan that is described in this prospectus and provided, further, that, in each case, any such shares of common stock received by the securityholder upon such vesting, settlement or exercise that are not so transferred, sold or otherwise disposed shall be subject to the restrictions set forth in the lock-up agreement;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(xi)</font>
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            <font style="letter-spacing:-0.038pt;">to us in connection with (a)&#160;the termination of the securityholder&#8217;s employment with us or (b)&#160;pursuant to agreements under which we have the option to repurchase such shares of common stock;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(xii)</font>
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            <font style="letter-spacing:-0.038pt;">in connection with the Reorganization prior to the completion of this offering; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.038pt;">(xiii)</font>
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          <div style=" margin-top:8.3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
            <font style="letter-spacing:-0.038pt;">pursuant to a bona fide third-party tender offer for our securities, merger, consolidation or other similar transaction that is approved by our board of directors and made to all holders of our securities involving a change of control, provided that in the event that such tender offer, merger, consolidation or other similar transaction is not completed, the securityholder&#8217;s securities, subject to the lock-up agreement, shall remain subject to the restrictions set forth in the lock-up agreement;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="font-style:italic;">provided, however,</font><font style="letter-spacing:-0.038pt;"> that it shall be a condition that:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style=" margin-top:4.3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">in the case of any transfer pursuant to clauses (i)&#160;through (viii)&#160;above, each transferee executes and delivers to Jefferies LLC and Keefe, Bruyette &amp; Woods, Inc. an agreement in form and substance satisfactory to Jefferies LLC and Keefe, Bruyette &amp; Woods, Inc. stating that such transferee is receiving and holding such shares of common stock and/or Related Securities, subject to the provisions of the lock-up agreement and agrees not to, during the Lock-up Period, sell or offer to sell such shares of common stock and/or Related Securities, engage in any swap or engage in any other activities restricted under the lock-up agreement except in accordance with the lock-up agreement (as if such transferee had been an original signatory thereto) and such transfer shall not involve a disposition for value;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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            <font style="letter-spacing:-0.038pt;">in the case of any transfer pursuant to clause (ix)&#160;above, prior to the expiration of the Lock-up Period, no public disclosure or filing under Section&#160;16(a) of the Exchange Act by any party to the transfer (donor, donee, transferor or transferee) shall be required, or made voluntarily, reporting a reduction in beneficial ownership of shares of common stock in connection with such transfer;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.39pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <div style=" margin-top:4.39pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">in the case of any transfer or distribution pursuant to clauses (vi)&#160;through (viii), it shall be a condition to such transfer that any required filing under Section&#160;16(a) of the Exchange Act, or other required public filing, report or announcement reporting a reduction in beneficial ownership of shares of common stock or Related Securities shall indicate in the footnotes thereto that the shares distributed or transferred are subject to a lock-up agreement with the underwriters</font><font style="letter-spacing:-0.361pt;">;</font><font style="letter-spacing:-0.038pt;"> and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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            <font style="letter-spacing:-0.361pt;">&#9642;</font>
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          <div style=" margin-top:4.3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
            <font style="letter-spacing:-0.038pt;">in the case of any transfer pursuant to clauses (i)&#160;through (viii)&#160;and (x)&#160;through (xiii)&#160;above, prior to the expiration of the Lock-up Period, no public disclosure or filing under the Exchange Act by any party to the transfer (donor, donee, transferor or transferee) shall be made voluntarily, and if the securityholder is required to file a report under the Exchange Act reporting a change in beneficial ownership of shares of common stock or Related Securities during the Lock-up Period, the securityholder shall include a statement in such report indicating the circumstances of such transfer.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">194</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.038pt;">In addition, the foregoing restrictions shall not apply to the establishment or amendment of a written trading plan meeting the requirements of Rule&#160;10b5-1 under the Exchange Act relating to the transfer of shares of common stock or Related Securities, </font><font style="font-style:italic;">provided</font><font style="letter-spacing:-0.038pt;"> that no transfers of shares of common stock or Related Securities occur during the Lock-up Period and any public disclosure, announcement or filing under the Exchange Act made by us or any person regarding the establishment or amendment of such plan during the Lock-up Period shall include a statement that the securityholder is not permitted to transfer, sell or otherwise dispose of securities under such plan during the Lock-up Period in contravention of the lock-up agreement, and any public announcement, shall be voluntarily made regarding the establishment or amendment of such plan during the Lock-up Period.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">Jefferies LLC and Keefe, Bruyette &amp; Woods, Inc. may, in their sole discretion and at any time or from time to time before the termination of the Lock-up Period release all or any portion of the securities subject to lock-up agreements. There are no existing agreements between the underwriters and any of our stockholders who will execute a lock-up agreement, providing consent to the sale of shares prior to the expiration of the </font><font style="letter-spacing:-0.361pt;">L</font><font style="letter-spacing:-0.038pt;">ock-up </font><font style="letter-spacing:-0.361pt;">P</font><font style="letter-spacing:-0.038pt;">eriod.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Stabilization</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The underwriters have advised us that they, pursuant to Regulation&#160;M under the Exchange Act, as amended, certain persons participating in the offering may engage in short sale transactions, stabilizing transactions, syndicate covering transactions or the imposition of penalty bids in connection with this offering. These activities may have the effect of stabilizing or maintaining the market price of the common stock at a level above that which might otherwise prevail in the open market. Establishing short sales positions may involve either &#8220;covered&#8221; short sales or &#8220;naked&#8221; short sales.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;Covered&#8221; short sales are sales made in an amount not greater than the underwriters&#8217; option to purchase additional shares of our common stock in this offering. The underwriters may close out any covered short position by either exercising their option to purchase additional shares of our common stock or purchasing shares of our common stock in the open market. In determining the source of shares to close out the covered short position, the underwriters will consider, among other things, the price of shares available for purchase in the open market as compared to the price at which they may purchase shares through the option to purchase additional shares.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">&#8220;Naked&#8221; short sales are sales in excess of the option to purchase additional shares of our common stock. The underwriters must close out any naked short position by purchasing shares in the open market. A naked short position is more likely to be created if the underwriters are concerned that there may be downward pressure on the price of the shares of our common stock in the open market after pricing that could adversely affect investors who purchase in this offering.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">A stabilizing bid is a bid for the purchase of shares of common stock on behalf of the underwriters for the purpose of fixing or maintaining the price of the common stock. A syndicate covering transaction is the bid for or the purchase of shares of common stock on behalf of the underwriters to reduce a short position incurred by the underwriters in connection with the offering. Similar to other purchase transactions, the underwriter&#8217;s purchases to cover the syndicate short sales may have the effect of raising or maintaining the market price of our common stock or preventing or retarding a decline in the market price of our common stock. As a result, the price of our common stock may be higher than the price that might otherwise exist in the open market. A penalty bid is an arrangement permitting the underwriters to reclaim the selling concession otherwise accruing to a syndicate member in connection with the offering if the common stock originally sold by such syndicate member are purchased in a syndicate covering transaction and therefore have not been effectively placed by such syndicate member.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">None of we, the selling stockholders nor any of the underwriters make any representation or prediction as to the direction or magnitude of any effect that the transactions described above may have on the price of our common stock. The underwriters are not obligated to engage in these activities and, if commenced, any of the activities may be discontinued at any time.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Electronic Distribution</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">A prospectus in electronic format may be made available by e-mail or on the web sites or through online services maintained by one or more of the underwriters or their affiliates. In those cases, prospective investors </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">195</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">may view offering terms online and may be allowed to place orders online. The underwriters may agree with us to allocate a specific number of shares of common stock for sale to online brokerage account holders. Any such allocation for online distributions will be made by the underwriters on the same basis as other allocations. Other than the prospectus in electronic format, the information on the underwriters&#8217; web sites and any information contained in any other web site maintained by any of the underwriters is not part of this prospectus, has not been approved and/or endorsed by us or the underwriters and should not be relied upon by investors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Other Activities and Relationships</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The underwriters and certain of their respective affiliates are full service financial institutions engaged in various activities, which may include securities trading, commercial and investment banking, financial advisory, investment management, investment research, principal investment, hedging, financing and brokerage activities. The underwriters and certain of their respective affiliates have, from time to time, performed, and may in the future perform, various commercial and investment banking and financial advisory services for us and our affiliates, for which they received or will receive customary fees and expenses. For example, Citizens Bank, N.A. is acting as administrative agent under the Revolving Credit Facility, under which certain of the underwriters or their affiliates, including Citizens Bank, N.A., Capital One, N.A., DNB (UK) Limited, Regions Bank, Synovus Bank, Truist Bank, ING Capital LLC, First Horizon Bank, Raymond James Bank and Sumitomo Mitsui Banking Corporation (&#8220;SMBC&#8221;), are arrangers, agents and/or lenders. SMBC owns approximately 15.8% of Jefferies Financial Group Inc.&#8217;s, an affiliate entity of Jefferies LLC, common stock on an as-converted basis and 14.5% on a fully-diluted, as-converted, basis and SMBC has a director seat on Jefferies Financial Group Inc.&#8217;s board of directors. We expect to use a portion of the net proceeds from this offering to repay outstanding borrowings under the Revolving Credit Facility and certain of the underwriters and/or certain of their affiliates, in their capacities as arrangers, agents, and/or lenders under the Revolving Credit Facility, may receive a portion of the net proceeds from this offering. See &#8220;Use of Proceeds.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In the ordinary course of their various business activities, the underwriters and certain of their respective affiliates may make or hold a broad array of investments and actively trade debt and equity securities (or related derivative securities) and financial instruments (including bank loans) for their own account and for the accounts of their customers, and such investment and securities activities may involve securities and/or instruments issued by us and our affiliates. If the underwriters or their respective affiliates have a lending relationship with us, they routinely hedge their credit exposure to us consistent with their customary risk management policies. The underwriters and their respective affiliates may hedge such exposure by entering into transactions which consist of either the purchase of credit default swaps or the creation of short positions in our securities or the securities of our affiliates, including potentially the common stock offered hereby. Any such short positions could adversely affect future trading prices of the common stock offered hereby. The underwriters and certain of their respective affiliates may also communicate independent investment recommendations, market color or trading ideas and/or publish or express independent research views in respect of such securities or instruments and may at any time hold, or recommend to clients that they acquire, long and/or short positions in such securities and instruments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">Directed Share Program</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:2pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">At our request, the underwriters have reserved five percent of the shares of common stock to be issued by us and offered by this prospectus for sale, at the initial public offering price, to certain of our directors, officers and employees and friends and family members of certain of our directors, officers and employees. If purchased by our directors or officers, these shares will be subject to a </font><font style="letter-spacing:-0.361pt;">180</font><font style="letter-spacing:-0.038pt;">-day lock-up restriction. See &#8220;Underwriting&#8221; for a description of this lock-up restriction. The number of shares of common stock available for sale to the general public will be reduced to the extent these individuals purchase such reserved shares. Any reserved shares that are not so purchased will be offered by the underwriters to the general public on the same basis as the other shares offered by this prospectus. Jefferies LLC will administer our directed share program. We will agree to indemnify Jefferies LLC in connection with the directed share program, including for the failure of any participant to pay for its shares. Other than the underwriting discount described on the front cover of this prospectus, the underwriters will not be entitled to any commission with respect to shares of common stock sold pursuant to the directed share program. </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">196</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Disclaimers About Non-U.S. Jurisdictions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Canada</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">(A)</font>
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          <font style="letter-spacing:-0.038pt;">Resale Restrictions</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The distribution of the shares of common stock in Canada is being made only in the provinces of Ontario, Quebec, Alberta and British Columbia on a private placement basis exempt from the requirement that we and the selling stockholders prepare and file a prospectus with the securities regulatory authorities in each province where trades of these shares of common stock are made. Any resale of the shares of common stock in Canada must be made under applicable securities laws which may vary depending on the relevant jurisdiction, and which may require resales to be made under available statutory exemptions or under a discretionary exemption granted by the applicable Canadian securities regulatory authority. Purchasers are advised to seek legal advice prior to any resale of the shares of common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">(B)</font>
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          <font style="letter-spacing:-0.038pt;">Representations of Canadian Purchasers</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">By purchasing shares of common stock in Canada and accepting delivery of a purchase confirmation, a purchaser is representing to us, the selling stockholders and the dealer from whom the purchase confirmation is received that:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">the purchaser is entitled under applicable provincial securities laws to purchase the shares of common stock without the benefit of a prospectus qualified under those securities laws as it is an &#8220;accredited investor&#8221; as defined under National Instrument 45-106</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">Prospectus Exemptions,</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
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        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">the purchaser is a &#8220;permitted client&#8221; as defined in National Instrument 31-103</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="letter-spacing:-0.038pt;">Registration Requirements, Exemptions and Ongoing Registrant Obligations,</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
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        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">where required by law, the purchaser is purchasing as principal and not as agent, and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
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        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">the purchaser has reviewed the text above under Resale Restrictions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8.3pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">(C)</font>
          <br >
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        <div style=" margin-top:8.3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">Conflicts of Interest</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Canadian purchasers are hereby notified that certain of the underwriters are relying on the exemption set out in section 3A.3 or 3A.4, if applicable, of National Instrument 33-105</font><font style="letter-spacing:-0.361pt;">&#8201;&#8211;&#8201;</font><font style="font-style:italic;">Underwriting Conflicts</font><font style="letter-spacing:-0.038pt;"> from having to provide certain conflict of interest disclosure in this prospectus.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">(D)</font>
          <br >
        </div>
        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">Statutory Rights of Action</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Securities legislation in certain provinces or territories of Canada may provide a purchaser with remedies for rescission or damages if the prospectus (including any amendment thereto) such as this prospectus contains a misrepresentation, provided that the remedies for rescission or damages are exercised by the purchaser within the time limit prescribed by the securities legislation of the purchaser&#8217;s province or territory. The purchaser of these shares of common stock in Canada should refer to any applicable provisions of the securities legislation of the purchaser&#8217;s province or territory for particulars of these rights or consult with a legal advisor.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">(E)</font>
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">Enforcement of Legal Rights</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">All of our directors and officers as well as the experts named herein and the selling stockholders may be located outside of Canada and, as a result, it may not be possible for Canadian purchasers to effect service of process within Canada upon us or those persons. All or a substantial portion of our assets and the assets of those persons may be located outside of Canada and, as a result, it may not be possible to satisfy a judgment against us or those persons in Canada or to enforce a judgment obtained in Canadian courts against us or those persons outside of Canada.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">(F)</font>
          <br >
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">Taxation and Eligibility for Investment</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Canadian purchasers of the shares of common stock should consult their own legal and tax advisors with respect to the tax consequences of an investment in the shares of common stock in their particular circumstances and about the eligibility of the shares of common stock for investment by the purchaser under relevant Canadian legislation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">197</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">(G)</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">Language of Documents</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;font-style:italic;">
          <font style="font-style:normal;letter-spacing:-0.038pt;">The purchaser confirms its express wish and that it has requested that this prospectus, all documents evidencing or relating to the sale of the shares of common stock described herein and all other related documents be drawn up exclusively in the English language. </font>L&#8217;acqu&#233;reur confirme sa volont&#233; expresse et qu&#8217;il a demand&#233; que le pr&#233;sent prospectus, tous les documents attestant de la vente des titres d&#233;crits dans le pr&#233;sent document ou s&#8217;y rapportant ainsi que tous les autres documents s&#8217;y rattachant soient r&#233;dig&#233;s exclusivement en langue anglaise.<font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Australia</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">This prospectus is not a disclosure document for the purposes of Australia&#8217;s Corporations Act 2001 (Cth) of Australia, or Corporations Act, has not been lodged with the Australian Securities &amp; Investments Commission and is only directed to the categories of exempt persons set out below. Accordingly, if you receive this prospectus in Australia:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">(A)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">You confirm and warrant that you are either:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">a &#8220;sophisticated investor&#8221; under section 708(8)(a) or (b)&#160;of the Corporations Act;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">a &#8220;sophisticated investor&#8221; under section 708(8)(c) or (d)&#160;of the Corporations Act and that you have provided an accountant&#8217;s certificate to the Company which complies with the requirements of section&#160;708(8)(c)(i) or (ii)&#160;of the Corporations Act and related regulations before the offer has been made;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">a person associated with the Company under Section&#160;708(12) of the Corporations Act; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">a &#8220;professional investor&#8221; within the meaning of section 708(11)(a) or (b)&#160;of the Corporations Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">To the extent that you are unable to confirm or warrant that you are an exempt sophisticated investor, associated person or professional investor under the Corporations Act any offer made to you under this prospectus is void and incapable of acceptance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">(B)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">You warrant and agree that you will not offer any of the shares of common stock issued to you pursuant to this prospectus for resale in Australia within 12&#160;months of those shares of common stock being issued unless any such resale offer is exempt from the requirement to issue a disclosure document under section 708 of the Corporations Act.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">European Economic Area</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In relation to each Member State of the European Economic Area (each, a &#8220;Relevant State&#8221;), no shares of common stock have been offered or will be offered pursuant to the offering to the public in that Relevant State prior to the publication of a prospectus in relation to the shares of common stock which have been approved by the competent authority in that Relevant State or, where appropriate, approved in another Relevant State and notified to the competent authority in that Relevant State, all in accordance with the Prospectus Regulation, except that the shares of common stock may be offered to the public in that Relevant State at any time:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(a)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <font style="letter-spacing:-0.038pt;">to any legal entity which is a &#8220;qualified investor&#8221; as defined under Article&#160;2 of the Prospectus Regulation;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(b)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <font style="letter-spacing:-0.038pt;">to fewer than 150 natural or legal persons (other than qualified investors as defined under Article&#160;2 of the Prospectus Regulation), subject to obtaining the prior consent of representatives for any such offer; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.91pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(c)</font>
          <br >
        </div>
        <div style=" margin-top:7.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <font style="letter-spacing:-0.038pt;">in any other circumstances falling within Article&#160;1(4) of the Prospectus Regulation,</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">provided that no such offer of the shares of common stock shall require us or any of the representatives to publish a prospectus pursuant to Article&#160;3 of the Prospectus Regulation or supplement a prospectus pursuant to Article&#160;23 of the Prospectus Regulation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">For the purposes of this provision, the expression &#8220;offer to the public&#8221; in relation to the shares of common stock in any Relevant State means the communication in any form and by any means of sufficient information </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">198</font>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">on the terms of the offer and any shares of common stock to be offered so as to enable an investor to decide to purchase or subscribe for any shares of common stock, and the expression &#8220;Prospectus Regulation&#8221; means Regulation (EU) 2017/1129.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Hong Kong</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">No shares of common stock have been offered or sold, and no shares of common stock may be offered or sold, in Hong Kong, by means of any document, other than to persons whose ordinary business is to buy or sell shares or debentures, whether as principal or agent; or to &#8220;professional investors&#8221; as defined in the Securities and Futures Ordinance (Cap. 571) of Hong Kong (&#8220;SFO&#8221;) and any rules made under that Ordinance; or in other circumstances which do not result in the document being a &#8220;prospectus&#8221; as defined in the Companies Ordinance (Cap. 32) of Hong Kong (&#8220;CO&#8221;) or which do not constitute an offer or invitation to the public for the purpose of the CO or the SFO. No document, invitation or advertisement relating to the shares of common stock has been issued or may be issued or may be in the possession of any person for the purpose of issue (in each case whether in Hong Kong or elsewhere), which is directed at, or the contents of which are likely to be accessed or read by, the public of Hong Kong (except if permitted under the securities laws of Hong Kong) other than with respect to common stock which are or are intended to be disposed of only to persons outside Hong Kong or only to &#8220;professional investors&#8221; as defined in the SFO and any rules made under that Ordinance.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">This prospectus has not been registered with the Registrar of Companies in Hong Kong. Accordingly, this prospectus may not be issued, circulated or distributed in Hong Kong, and the shares of common stock may not be offered for subscription to members of the public in Hong Kong. Each person acquiring the shares of common stock will be required, and is deemed by the acquisition of the shares of common stock, to confirm that he is aware of the restriction on offers of the shares of common stock described in this prospectus and the relevant offering documents and that he is not acquiring, and has not been offered any shares of common stock in circumstances that contravene any such restrictions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Israel</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">This prospectus does not constitute a prospectus under the Israeli Securities Law, 5728-1968, or the Securities Law, and has not been filed with or approved by the Israel Securities Authority. In Israel, this prospectus is being distributed only to, and is directed only at, and any offer of the shares of common stock is directed only at, (i)&#160;a limited number of persons in accordance with the Israeli Securities Law and (ii)&#160;investors listed in the first addendum, or the Addendum, to the Israeli Securities Law, consisting primarily of joint investment in trust funds, provident funds, insurance companies, banks, portfolio managers, investment advisors, members of the Tel Aviv Stock Exchange, underwriters, venture capital funds, entities with equity in excess of NIS 50&#160;million and &#8220;qualified individuals,&#8221; each as defined in the Addendum (as it may be amended from time to time), collectively referred to as qualified investors (in each case, purchasing for their own account or, where permitted under the Addendum, for the accounts of their clients who are investors listed in the Addendum). Qualified investors are required to submit written confirmation that they fall within the scope of the Addendum, are aware of the meaning of same and agree to it.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Japan</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The offering has not been and will not be registered under the Financial Instruments and Exchange Law of Japan (Law No. 25 of 1948 of Japan, as amended), or FIEL, and the underwriters will not offer or sell any shares of common stock, directly or indirectly, in Japan or to, or for the benefit of, any resident of Japan (which term as used herein means any person resident in Japan, including any corporation or other entity organized under the laws of Japan), or to others for re-offering or resale, directly or indirectly, in Japan or to, or for the benefit of, any resident of Japan, except pursuant to an exemption from the registration requirements of, and otherwise in compliance with, the FIEL and any other applicable laws, regulations and ministerial guidelines of Japan.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Singapore</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">This prospectus has not been and will not be lodged or registered as a prospectus with the Monetary Authority of Singapore. Accordingly, this prospectus and any other document or material in connection with the offer or sale, or invitation for subscription or purchase, of the common stock may not be circulated or distributed, nor may the common stock be offered or sold, or be made the subject of an invitation for subscription or </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">199</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">purchase, whether directly or indirectly, to persons in Singapore other than (i)&#160;to an institutional investor under Section&#160;274 of the Securities and Futures Act, Chapter 289 of Singapore (the &#8220;SFA&#8221;), (ii)&#160;to a relevant person pursuant to Section&#160;275(1), or any person pursuant to Section&#160;275(1A), and in accordance with the conditions specified in Section&#160;275, of the SFA, or (iii)&#160;otherwise pursuant to, and in accordance with the conditions of, any other applicable provision of the SFA.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Where the common stock is subscribed or purchased under Section&#160;275 of the SFA by a relevant person which is:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(a)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <font style="letter-spacing:-0.038pt;">a corporation (which is not an accredited investor (as defined in Section&#160;4A of the SFA)) the sole business of which is to hold investments and the entire share capital of which is owned by one or more individuals, each of whom is an accredited investor; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">(b)</font>
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          <font style="letter-spacing:-0.038pt;">a trust (where the trustee is not an accredited investor) whose sole purpose is to hold investments and each beneficiary of the trust is an individual who is an accredited investor,</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">securities (as defined in Section&#160;239(1) of the SFA) of that corporation or the beneficiaries&#8217; rights and interest (howsoever described) in that trust shall not be transferred within six&#160;months after that corporation or that trust has acquired the common stock pursuant to an offer made under Section&#160;275 of the SFA except:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">(i)</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <font style="letter-spacing:-0.038pt;">to an institutional investor or to a relevant person defined in Section&#160;275(2) of the SFA, or to any person arising from an offer referred to in Section&#160;275(1A) or Section&#160;276(4)(i)(B) of the </font><font style="letter-spacing:-0.361pt;">SFA;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">(ii)</font>
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          <font style="letter-spacing:-0.038pt;">where no consideration is or will be given for the transfer;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">(iii)</font>
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          <font style="letter-spacing:-0.038pt;">where the transfer is by operation of law;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">(iv)</font>
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          <font style="letter-spacing:-0.038pt;">as specified in Section&#160;276(7) of the SFA; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">(v)</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <font style="letter-spacing:-0.038pt;">as specified in Regulation&#160;32 of the Securities and Futures (Offers of Investments) (Shares and Debentures) Regulations&#160;2005 of Singapore.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.475pt;">Switzerland</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The shares of common stock may not be publicly offered in Switzerland and will not be listed on the SIX Swiss Exchange (&#8220;SIX&#8221;) or on any other stock exchange or regulated trading facility in Switzerland. This prospectus has been prepared without regard to the disclosure standards for issuance prospectuses under art.&#160;652a or art. 1156 of the Swiss Code of Obligations or the disclosure standards for listing prospectuses under art. 27 ff. of the SIX Listing Rules or the listing rules of any other stock exchange or regulated trading facility in Switzerland. Neither this prospectus nor any other offering or marketing material relating to the shares of common stock or the offering may be publicly distributed or otherwise made publicly available in Switzerland.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Neither this prospectus nor any other offering or marketing material relating to the offering, the Company or the shares of common stock have been or will be filed with or approved by any Swiss regulatory authority. In particular, this prospectus will not be filed with, and the offer of shares of common stock will not be supervised by, the Swiss Financial Market Supervisory Authority FINMA, and the offer of shares of common stock has not been and will not be authorized under the Swiss Federal Act on Collective Investment Schemes (&#8220;CISA&#8221;). The investor protection afforded to acquirers of interests in collective investment schemes under the CISA does not extend to acquirers of shares of common stock.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">United Kingdom</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">No shares of common stock have been offered or will be offered pursuant to the offering to the public in the United Kingdom prior to the publication of a prospectus in relation to the shares of common stock which has been approved by the Financial Conduct Authority, except that the shares of common stock may be offered to the public in the United Kingdom at any time:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">(a)</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <font style="letter-spacing:-0.038pt;">to any legal entity which is a qualified investor as defined under Article&#160;2 of the UK Prospectus Regulation;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">200</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:468.5pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(b)</font>
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        <div style=" line-height:12pt; text-align:left; margin-left:40pt;">
          <font style="letter-spacing:-0.038pt;">to fewer than 150 natural or legal persons (other than qualified investors as defined under Article&#160;2 of the UK Prospectus Regulation), subject to obtaining the prior consent of the representatives for any such offer; or</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(c)</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <font style="letter-spacing:-0.038pt;">in any other circumstances falling within Section&#160;86 of the FSMA,</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">provided that no such offer of the shares of common stock shall require the Company or any Manager to publish a prospectus pursuant to Section&#160;85 of the FSMA or supplement a prospectus pursuant to Article&#160;23 of the UK Prospectus Regulation. For the purposes of this provision, the expression an &#8220;offer to the public&#8221; in relation to the shares of common stock in the United Kingdom means the communication in any form and by any means of sufficient information on the terms of the offer and any shares of common stock to be offered so as to enable an investor to decide to purchase or subscribe for any shares of common stock and the expression &#8220;UK Prospectus Regulation&#8221; means Regulation (EU) 2017/1129 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">201</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tLEMA">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:550pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">LEGAL MATTERS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:18pt; width:456pt; line-height:12pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">The validity of the shares of common stock offered hereby will be passed upon for us by Latham &amp; Watkins LLP, New York, New York. Certain legal matters in connection with this offering will be passed upon for the underwriters by Weil, Gotshal &amp; Manges LLP, New York, New York. Simpson Thacher &amp; Barlett LLP has acted as counsel for the selling stockholders in connection with certain legal matters related to this offering. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.342pt;">202</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tEXP">&#8203;</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">EXPERTS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The consolidated financial statements of Jefferson Capital Holdings, LLC as of December&#160;31, 2024 and 2023, and for each of the two years in the period ended December&#160;31, 2024, included in this Prospectus, have been audited by Deloitte &amp; Touche LLP, an independent registered public accounting firm, as stated in their report. Such financial statements are included in reliance upon the report of such firm given their authority as experts in accounting and auditing.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The financial statements of Jefferson Capital, Inc. as of December&#160;31, 2024, and for the period from November 12, 2024 (inception) to December 31, 2024, included in this Prospectus, have been audited by Deloitte &amp; Touche LLP, an independent registered public accounting firm, as stated in their report. Such financial statements are included in reliance upon the report of such firm given their authority as experts in accounting and auditing. </font>
        </div>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">203</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tWYCF">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:6pt;margin-bottom:362pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">WHERE YOU CAN FIND MORE INFORMATION</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have filed with the SEC a registration statement on Form S-1 under the Securities Act, with respect to the shares of common stock offered by this prospectus. This prospectus, which constitutes a part of the registration statement, does not contain all of the information set forth in the registration statement or the exhibits and schedules to the registration statement. Please refer to the registration statement and exhibits for further information with respect to the common stock offered by this prospectus. Statements contained in this prospectus regarding the contents of any contract or other document are only summaries. With respect to any contract or document that is filed as an exhibit to the registration statement, you should refer to the exhibit for a copy of the contract or document, and each statement in this prospectus regarding that contract or document is qualified by reference to the exhibit. The SEC maintains a website that contains reports, proxy and information statements and other information regarding issuers, like us, that file documents electronically with the SEC. The address of that website is www.sec.gov.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Upon completion of this offering, we will become subject to the information and reporting requirements of the Exchange Act, and, in accordance with this law, will be required to file periodic reports, proxy statements and other information with the SEC. These periodic reports, proxy statements and other information will be available for inspection and copying at the website of the SEC referred to above. We also maintain a website at www.jcap.com, at which you may access these materials free of charge as soon as reasonably practicable after they are electronically filed with, or furnished to, the SEC. The information contained on, or that can be accessed through, these websites is not a part of this prospectus. We have included these website addresses in this prospectus solely as an inactive textual reference.</font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">204</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="TOC2">&#8203;</a><a name="tIND">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:79pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">INDEX TO FINANCIAL STATEMENTS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <table style="width:456pt;margin-top:8.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:423.95pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:0.4pt;">PAGE </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Jefferson Capital, Inc.</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:0.475pt;">Unaudited Condensed Financial Statements</font>
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            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#tCBSU"><font style="letter-spacing:-0.038pt;">Condensed Balance Sheets as of March&#160;31, 2025 and December 31, 2024 </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tCBSU">F-2</a></font> <a href="#tCBSU"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <a href="#tCSOO"><font style="letter-spacing:-0.038pt;">Condensed Statement of Operations and Comprehensive Income / (Loss) for the three months ended March 31, 2025 </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tCSOO">F-3</a></font> <a href="#tCSOO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#tCSOS"><font style="letter-spacing:-0.038pt;">Condensed Statement of Stockholder&#8217;s Equity for the three months ended March 31, 2025 </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tCSOS">F-4</a></font> <a href="#tCSOS"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#tSOCF"><font style="letter-spacing:-0.038pt;">Condensed Statement of Cash Flows for the three months ended March 31, 2025</font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tSOCF">F-5</a></font>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#tNTCB"><font style="letter-spacing:-0.038pt;">Notes to Condensed Financial Statements</font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#tNTCB">F-6</a></font> <a href="#tNTCB"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:0.475pt;">Audited Financial Statements</font>
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            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#ROIR"><font style="letter-spacing:-0.038pt;">Report of Independent Registered Public Accounting Firm (PCAOB ID: 34) </font></a>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#ROIR">F-8</a></font> <a href="#ROIR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#fBS1"><font style="letter-spacing:-0.038pt;">Balance Sheet as of December&#160;31, 2024 </font></a>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#fBS1">F-9</a></font>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <a href="#fSOO1"><font style="letter-spacing:-0.038pt;">Statement of Operations and Comprehensive Income / (Loss) for the period from November&#160;12, 2024 (Inception) to December&#160;31, 2024 </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#fSOO1">F-10</a></font>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <a href="#fSSE1"><font style="letter-spacing:-0.038pt;">Statement of Stockholder&#8217;s Equity for the period from November 12, 2024 (Inception) to December&#160;31, 2024 </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <a href="#fSCF1"><font style="letter-spacing:-0.038pt;">Statements of Cash Flows for the period from November 12, 2024 (Inception) to December 31, </font><font style="letter-spacing:-0.361pt;">2024 </font></a>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#fNOTES1"><font style="letter-spacing:-0.038pt;">Notes to Balance Sheet </font></a>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;">
              <font style="letter-spacing:0.475pt;">Jefferson Capital Holdings, LLC and Subsidiaries</font>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:0.475pt;">Unaudited Condensed Consolidated Financial Statements</font>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#fCBSD2"><font style="letter-spacing:-0.038pt;">Condensed Consolidated Balance Sheets as of March&#160;31, 2025 and December&#160;31, 2024 </font></a>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <a href="#fCSOO2"><font style="letter-spacing:-0.038pt;">Condensed Consolidated Statements of Operations and Comprehensive Income for the three months </font>
                  <br >
                  <font style="letter-spacing:-0.038pt;">ended March 31, 2025 and 2024 </font></a>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <a href="#fCSOM2"><font style="letter-spacing:-0.038pt;">Condensed Consolidated Statements of Member&#8217;s Equity for the three months ended March 31, 2025 and 2024 </font></a>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;white-space:normal;text-align:left;">
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                <a href="#fCSOC2"><font style="letter-spacing:-0.038pt;">Condensed Consolidated Statements of Cash Flows for the three months ended March 31, 2025 and 2024</font></a>
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              <div style="margin-left:9.5pt;">
                <a href="#fNCCF2"><font style="letter-spacing:-0.038pt;">Notes to Condensed Consolidated Financial Statements</font></a>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#fROIA">F-40</a></font> <a href="#fROIA"></a></td>
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              <div style="margin-left:9.5pt;">
                <a href="#fCBSD"><font style="letter-spacing:-0.038pt;">Consolidated Balance Sheets as of December&#160;31, 2024 and 2023 </font></a>
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            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:423.95pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <a href="#fCSOO"><font style="letter-spacing:-0.038pt;">Consolidated Statements of Operations and Comprehensive Income for the years ended December&#160;31, 2024 and 2023 </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <font style="letter-spacing:-0.361pt;"><a href="#fCSOO">F-42</a></font> <a href="#fCSOO"></a></td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#fCSOM"><font style="letter-spacing:-0.038pt;">Consolidated Statements of Member&#8217;s Equity for the years ended December 31, 2024 and 2023 </font></a>
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              <font style="letter-spacing:-0.361pt;"><a href="#fCSOM">F-43</a></font> <a href="#fCSOM"></a></td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#fCSOC"><font style="letter-spacing:-0.038pt;">Consolidated Statements of Cash Flows for the years ended December&#160;31, 2024 and 2023 </font></a>
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            </td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#fCSOC">F-44</a></font> <a href="#fCSOC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:423.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <a href="#f1DOB"><font style="letter-spacing:-0.038pt;">Notes to Consolidated Financial Statements </font></a>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:21.75pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.361pt;"><a href="#f1DOB">F-45</a></font>
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            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
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        </table>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-1</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tCBSU">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:333pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Condensed Balance Sheets (Unaudited)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:342.3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:342.3pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:342.3pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Deferred tax asset </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">4,956</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,556</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Assets</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">4,956</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,556</td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:342.3pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Payable to affiliates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">20,650</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,650</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Liabilities</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">20,650</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,650</td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:342.3pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Stockholder&#8217;s Equity</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:342.3pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Common stock, $0.01 par value per share, 100 shares authorized, 100 shares issued and outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Due from stockholder </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Retained Earnings </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(15,694<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.08pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total stockholder&#8217;s equity</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(15,694<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:342.3pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Liabilities and Stockholder&#8217;s Equity</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">4,956</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,556</td>
            <td style="padding:0pt;padding-left:2.175pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the condensed financial statements. </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-2</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tCSOO">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:401pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Condensed Statement of Operations and Comprehensive Income / (Loss)(Unaudited)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:367.55pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Operating Expenses</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,000</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Operating Expenses</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,000</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:0.475pt;">Net Operating Income / (Loss)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(10,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Income Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(10,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Benefit / (Provision) for income taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,400</td>
            <td style="padding:0pt;padding-left:19.49pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Net Income / (Loss)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(7,600<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 3pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Comprehensive Income / (Loss)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(7,600<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the condensed financial statements. </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-3</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tCSOS">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:439pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Condensed Statement of Stockholder&#8217;s Equity (Unaudited)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:217.48pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Contributions</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">by stockholder </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Accumulated</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Other</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Comprehensive</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Income (Loss) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Retained</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Earnings </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:217.48pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.34pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12pt; text-align:right; white-space:nowrap;">&#8201;&#8212;</td>
            <td style="padding:0pt;padding-left:20.34pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.45pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:12pt; text-align:right; white-space:nowrap;">&#8201;&#8212;</td>
            <td style="padding:0pt;padding-left:19.45pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:217.48pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Contribution from stockholder </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:217.48pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income / (loss) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.63pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.63pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(7,600<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(7,600<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:217.48pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Due from stockholder </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.63pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.63pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.74pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.74pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:217.48pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, March&#160;31, 2025</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.34pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.34pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.45pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:12pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.45pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(15,694<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(15,694<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.64pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the condensed financial statements. </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-4</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tSOCF">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:305.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">CONDENSED Statement of Cash Flows (Unaudited)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:367.55pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flows from operating activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income / (Loss) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(7,600<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:367.55pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Adjustments to reconcile net loss to net cash and cash equivalents provided by operating activities: </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Change in deferred tax asset </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(2,400<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Changes in assets and liabilities, net of acquisition: </font>
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            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
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            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">10,000</div>
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            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
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            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by operating activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
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            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
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            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash flows from investing activities </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash used in investing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
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            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
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            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
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            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash flow from financing activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by financing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
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            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
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            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Exchange rate effects on cash balances held in foreign currencies </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net (decrease) increase in cash and cash equivalents and restricted cash </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, beginning of period </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:367.55pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, end of period </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:15.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the condensed financial statements. </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-5</font>
          <br >
        </div>
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tNTCB">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Notes to Condensed Financial Statements </font>
          <br >
          <font style="font-style:italic;font-weight:normal;text-transform:uppercase;font-family:Arial, Helvetica, sans-serif;">As of MARCH 31, 2025 AND December&#160;31, 2024 and for the </font>
          <br >
          <font style="font-style:italic;font-weight:normal;text-transform:uppercase;font-family:Arial, Helvetica, sans-serif;">period ended March&#160;31, 2025 (Unaudited)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">1. Organization</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Jefferson Capital, Inc. (the &#8220;Company&#8221;) was formed as a Delaware corporation on November&#160;12, 2024 (Inception). The Company was formed for the purpose of completing a public offering and related transactions in order to carry on the business of Jefferson Capital Holdings, LLC and its subsidiaries (&#8220;Jefferson Capital Holdings&#8221;). Following a series of transactions that the Company will engage in immediately prior to the completion of the public offering, the Company will become a holding company with no material assets other than 100% of the equity interests in JCAP TopCo, LLC, which will remain a holding company with no material assets other than 100% of the equity interests in Jefferson Capital Holdings. As a result, the Company will indirectly wholly own the equity interest of Jefferson Capital Holdings and will operate and control all of the business affairs of Jefferson Capital Holdings.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">2. Basis of Presentation and Summary of Significant Accounting Policies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Basis of Presentation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The accompanying unaudited condensed interim financial statements reflect all adjustments which are necessary for a fair statement of results of operations, financial position, and cash flows for the periods presented in accordance with accounting principles generally accepted in the United States of America (&#8220;U.S. GAAP&#8221;). Such unaudited condensed interim financial statements have been prepared in accordance the rules and regulations of the U.S. Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted pursuant to such rules and regulations. The year-end condensed balance sheet data was derived from audited financial statements but does not include all disclosures required by U.S. GAAP.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">These unaudited condensed interim financial statements should be read in conjunction with our annual financial statements for the year ended December&#160;31, 2024 and have been prepared on a consistent basis with the accounting policies described in Note 2 of the Notes to Financial Statements included in our Annual Report.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company&#8217;s date of inception was November 12, 2025, and therefore, comparative information does not exist for the three-months ended March 31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Use of Estimates</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the balance sheet. Actual results could differ from those estimates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Income Taxes</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company is subject to income taxes in the U.S. These tax laws are complex and subject to different interpretations by the taxpayer and the relevant government taxing authorities. When determining our domestic and non-U.S. income tax expense, we make judgments about the application of these inherently complex laws.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We account for income taxes under the asset and liability method, which requires the recognition of deferred tax assets (&#8220;DTA&#8221;) and deferred tax liabilities (&#8220;DTL&#8221;) for the expected future tax consequences of events that have been included in the financial statements. Under this method, we determine the DTAs and DTLs on the basis of the differences between the financial statement and tax bases of assets and liabilities by using enacted tax rates in effect for the year in which the differences are expected to reverse. The effect of a change in tax rates on DTAs and DTLs is recognized in income in the period that includes the enactment date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We recognize DTAs to the extent that we believe that these assets are more likely than not to be realized in making such a determination. We consider all available positive and negative evidence, including future reversals of existing taxable temporary differences, projected future taxable income, tax-planning strategies, carryback potential if permitted under the tax law, and results of recent operations. If we determine that we </font>
        </div>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-6</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:182.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">would be able to realize our DTAs in the future in excess of their net recorded amount, we would make an adjustment to the DTA valuation allowance, which would reduce the provision for income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We record uncertain tax positions in accordance with ASC 740 on the basis of a two-step process in which (1)&#160;we determine whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2)&#160;for those tax positions that meet the more-likely-than-not recognition threshold. We recognize the largest amount of the tax benefit that is more than 50% likely to be realized upon ultimate settlement with the related tax authority.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">3. Income taxes</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company is a C-Corp and is generally subject to United States federal and state income taxes at the company level.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company is subject to income taxes at the federal and state level. The effective tax rate of 24.0% is different from the federal statutory rate primarily due to the impact of state taxes and transaction costs associated with the anticipated restructuring.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">4. Stockholder&#8217;s Equity</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On November&#160;7, 2024, the Company was authorized to issue 100 shares of common stock, par value $0.01 per share, 100 shares of which have been issued for aggregate consideration of $1.00 and are outstanding as of March&#160;31, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">5. Commitments and Contingencies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company may be subject to legal proceedings that arise in the ordinary course of business. There are currently no proceedings to which the Company is a party, nor does the Company have knowledge of any proceedings that are threatened against the Company.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">6. Related Party Transactions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Jefferson Capital Holdings will pay all expenses on behalf of the Company and the Company will reimburse Jefferson Capital Holdings for these expenses upon reorganization. The Company incurred $10,000 in professional fees during the three&#160;months ended March&#160;31, 2025, which will be paid by Jefferson Capital Holdings, LLC and is currently under payable to affiliates on the balance sheet.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">7. Subsequent Events</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company has evaluated subsequent events through May 21, 2025, the date the financial statements were available to be issued. The Company has concluded that no subsequent event has occurred that requires disclosure.</font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-7</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="ROIR">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:146pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">To the Shareholder and the Board of Directors of Jefferson Capital, Inc.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Opinion on the Financial Statements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have audited the accompanying balance sheet of Jefferson Capital, Inc. (the &#8220;Company&#8221;) as of December&#160;31, 2024, the related statements of operations and comprehensive income, shareholder&#8217;s equity, and cash flows for the period from November&#160;12, 2024 (inception) to December&#160;31, 2024, and the related notes (collectively referred to as the &#8220;financial statements&#8221;). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December&#160;31, 2024, and the results of its operation and its cash flows for the period from November&#160;12, 2024 (inception) to December 31, 2024 in conformity with accounting principles generally accepted in the United States of America.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Basis for Opinion</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">These financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on the Company&#8217;s financial statements based on our audit. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audit, we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Company&#8217;s internal control over financial reporting. Accordingly, we express no such opinion.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our audit included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audit also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audit provides a reasonable basis for our opinion.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">/s/ Deloitte&#160;&amp; Touche LLP</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">New York, New York </font> <br ><font style="letter-spacing:-0.038pt;">May&#160;5, 2025</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have served as the Company&#8217;s auditor since 2024.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-8</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fBS1">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:346.5pt;margin-left:69.66pt;width:456pt;">
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          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc.</font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Balance Sheet</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
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            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.31pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:373.31pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Deferred tax asset </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,556</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.31pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Assets</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,556</td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:373.31pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Payable to affiliates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,650</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,650</td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Stockholder&#8217;s Equity</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:373.31pt;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Common stock, $0.01 par value per share, 100 shares authorized, 100 shares issued and </font>
                <br >
                <font style="letter-spacing:-0.038pt;">outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Due from stockholder </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:373.31pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Retained Earnings </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:16.75pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:373.31pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total stockholder&#8217;s equity</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.31pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Liabilities and Stockholder&#8217;s Equity</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,556</td>
            <td style="padding:0pt;padding-left:12.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the financial statements.</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-9</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fSOO1">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:380pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Statement of Operations and Comprehensive Income / (Loss)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Period</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">November&#160;12, 2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Inception) &#8212;</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Operating Expenses</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,000</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">650</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Operating Expenses</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,650</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:0.475pt;">Net Operating Income / (Loss)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(10,650<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Income / (loss) Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(10,650<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">(Provision) / benefit from income taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,556</td>
            <td style="padding:0pt;padding-left:16.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Net Income / (Loss)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 3pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Comprehensive Income / (Loss)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the financial statements.</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-10</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fSSE1">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:460pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Statement of Stockholder&#8217;s Equity</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:292.22pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Contributions</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">By Stockholder </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Retained</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Earnings </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:292.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, November&#160;12, 2024 (Inception)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.215pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.85pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-1.85pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.399999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.399999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:292.22pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Contribution from stockholder </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.95pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">1</td>
            <td style="padding:0pt;padding-left:21.95pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:292.22pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income / (loss) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.95pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:21.95pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:292.22pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Due from stockholder </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.95pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">(1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:21.95pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(1<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:292.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.215pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.85pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.85pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.399999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">(8,094<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.399999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="20">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the financial statements.</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-11</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fSCF1">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:179.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Statements of Cash Flows</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:20.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Period</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">November&#160;12, 2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Inception) &#8212;</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flows from operating activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income / (loss) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(8,094<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:normal;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:373.76pt;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities: </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Deferred income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(2,556<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Changes in assets and liabilities, net of acquisition: </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">10,650</div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by operating activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash flows from investing activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash used in investing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash flow from financing activities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by financing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Exchange rate effects on cash balances held in foreign currencies </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net (decrease) increase in cash and cash equivalents and restricted cash </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, beginning of period </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, end of period </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-top:8pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:368.87pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">November&#160;12, 2024 -</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:368.87pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Supplemental Cash Flow Disclosures </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:30.705pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:30.705pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3pt 0pt 1.5pt 0pt; width:368.87pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Non-cash activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:30.705pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:30.705pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:368.87pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Non-cash common stock, issued and outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:27.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1</div>
            </td>
            <td style="padding:0pt;padding-left:27.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:368.87pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Non-cash due from stockholder </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:27.44pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(1<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:27.44pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the financial statements.</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-12</font>
          <br >
        </div>
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fNOTES1">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-style:italic;font-size:10pt;">
          <font style="font-style:normal;font-weight:bold;text-transform:uppercase;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.5pt;">Jefferson Capital, Inc. </font>
          <br >
          <font style="font-style:normal;font-weight:bold;text-transform:uppercase;font-family:Arial Narrow, Helvetica, sans-serif;letter-spacing:0.5pt;">Notes to Balance Sheet </font>
          <br >
          <font style="text-transform:uppercase;">As of December&#160;31, 2024 and for the Period of</font>
          <br >
          <font style="text-transform:uppercase;">November&#160;12, 2024 (Inception)&#8201;&#8212;&#8201;December&#160;31, 2024</font><font style="font-style:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">1. Organization</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Jefferson Capital, Inc. (the &#8220;Company&#8221;) was formed as a Delaware corporation on November&#160;12, 2024 (Inception). The Company was formed for the purpose of completing a public offering and related transactions in order to carry on the business of Jefferson Capital Holdings, LLC and its subsidiaries (&#8220;Jefferson Capital Holdings&#8221;). Following a series of transactions that the Company will engage in immediately prior to the completion of the public offering, the Company will become a holding company with no material assets other than 100% of the equity interests in JCAP TopCo, LLC, which will remain a holding company with no material assets other than 100% of the equity interests in Jefferson Capital Holdings. As a result, the Company will indirectly wholly own the equity interest of Jefferson Capital Holdings and will operate and control all of the business affairs of Jefferson Capital Holdings.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">2. Basis of Presentation and Summary of Significant Accounting Policies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Basis of Presentation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The accounting and reporting policies of the Company are in accordance with accounting principles generally accepted in the United States of America (&#8220;U.S. GAAP&#8221;). Separate statements of operations, comprehensive income, changes in stockholders&#8217; equity, and cash flows have not been presented because the Company has not engaged in any business or other activities except in connection with its formation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Use of Estimates</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the balance sheet. Actual results could differ from those estimates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Income Taxes</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company is subject to income taxes in the U.S. These tax laws are complex and subject to different interpretations by the taxpayer and the relevant government taxing authorities. When determining our domestic and non-U.S. income tax expense, we make judgments about the application of these inherently complex laws.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We account for income taxes under the asset and liability method, which requires the recognition of deferred tax assets (&#8220;DTA&#8221;) and deferred tax liabilities (&#8220;DTL&#8221;) for the expected future tax consequences of events that have been included in the financial statements. Under this method, we determine the DTAs and DTLs on the basis of the differences between the financial statement and tax bases of assets and liabilities by using enacted tax rates in effect for the year in which the differences are expected to reverse. The effect of a change in tax rates on DTAs and DTLs is recognized in income in the period that includes the enactment date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We recognize DTAs to the extent that we believe that these assets are more likely than not to be realized in making such a determination. We consider all available positive and negative evidence, including future reversals of existing taxable temporary differences, projected future taxable income, tax-planning strategies, carryback potential if permitted under the tax law, and results of recent operations. If we determine that we would be able to realize our DTAs in the future in excess of their net recorded amount, we would make an adjustment to the DTA valuation allowance, which would reduce the provision for income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">We record uncertain tax positions in accordance with ASC 740 on the basis of a two-step process in which (1)&#160;we determine whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2)&#160;for those tax positions that meet the more-likely-than-not recognition threshold. We recognize the largest amount of the tax benefit that is more than 50% likely to be realized upon ultimate settlement with the related tax authority.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">3. Income taxes</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company is a C-Corp and is generally subject to United States federal and state income taxes at the company level.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-13</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Income before taxes consisted of the following (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Period</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">November&#160;12, 2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Inception) &#8212;</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.68pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(10,650<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:14.68pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Foreign </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.68pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:14.68pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Income Before Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.68pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(10,650<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:14.68pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.72pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The provision for Income taxes consisted of the following (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Period</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">November&#160;12, 2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Inception) &#8212;</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Current Expense (benefit)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:373.76pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Deferred expense (benefit)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(2,556<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(2,556<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">(2,556<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.71pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">A reconciliation of the statutory U.S. federal income tax rate to our effective tax rate was as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Period</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">November&#160;12, 2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Inception) &#8212;</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">U.S. Federal provision </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">21.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Effect of:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:373.76pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">State and local income taxes, net of federal income tax benefit </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">3.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:0.475pt;">Effective rate</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">24.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:24.965pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.62pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The tax effects of temporary differences that give rise to significant portions of the deferred assets and liabilities consisted of the following (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Period</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">November&#160;12, 2024</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">(Inception) &#8212;</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Deferred tax assets:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net operating losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(2,556<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:373.76pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(2,556<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Deferred tax liabilities:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Deferred tax liabilities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.76pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:373.76pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net deferred tax assets </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">(2,556<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:17.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-14</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:124.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Valuation allowances are recorded against deferred tax assets if the Company believes it is more likely than not that some or all of a deferred tax asset will not be realized. In evaluating the need for a valuation allowance, the Company considered all available positive and negative evidence, including carryback availability, future reversals of existing taxable temporary differences, the Company&#8217;s recent earnings history, projected future taxable income, the overall business environment, and any applicable tax planning strategies. Based on this evaluation, management has determined that it is more likely than not that the deferred tax assets will be realized and, therefore, no valuation allowance have been recorded for fiscal&#160;years ended December&#160;31, 2024, and 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company records uncertain tax positions in accordance with ASC 740 on the basis of a two-step process in which (1)&#160;the Company determines whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2)&#160;for those tax positions that meet the more-likely-than-not recognition threshold, the Company recognizes the largest amount of tax benefit that is more than 50&#160;percent likely to be realized upon ultimate settlement with the related tax authority. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs. The Company records interest and penalties related to income taxes in income tax expense.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2024, and 2023 the Company has not recorded any unrecognized tax benefits or related penalties and interest. Further, the Company does not expect any significant changes related to unrecognized tax benefits within the next 12&#160;months.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">4. Stockholder&#8217;s Equity</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On November&#160;7, 2024, the Company was authorized to issue 100 shares of common stock, par value $0.01 per share, 100 shares of which have been issued for aggregate consideration of $1.00 and are outstanding as of December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">5. Commitments and Contingencies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company may be subject to legal proceedings that arise in the ordinary course of business. There are currently no proceedings to which the Company is a party, nor does the Company have knowledge of any proceedings that are threatened against the Company.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">6. Related Party Transactions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Jefferson Capital Holdings will pay all expenses on behalf of the Company and the Company will reimburse Jefferson Capital Holdings for these expenses upon reorganization. The Company incurred $10,650 in professional fees and other selling, general and administrative expenses in the period of November&#160;12, 2024 (Inception) to December, 31, 2024, which were paid by Jefferson Capital Holdings, LLC and is currently under payable to affiliates on the balance sheet.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">7. Subsequent Events</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company has evaluated subsequent events through May&#160;5, 2025, the date the financial statements were available to be issued. The Company has concluded that no subsequent event has occurred that requires disclosure.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-15</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCBSD2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:232.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Condensed Consolidated Balance Sheets (Unaudited)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:302.18pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of March&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">26,989</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">35,506</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Restricted cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">3,418</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2,737</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,561,595</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,497,748</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:302.18pt;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card receivables (net of allowance for credit losses of $1,701 and </font>
                <br >
                <font style="letter-spacing:-0.361pt;">$1,907) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">16,008</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">17,176</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">41,007</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">33,196</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Other intangible assets, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">8,950</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">10,237</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Goodwill </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">57,692</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">57,683</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Assets</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,715,659</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.47pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,654,283</td>
            <td style="padding:0pt;padding-left:9.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">69,028</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">77,028</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Notes payable, net </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,211,991</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,194,726</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:0.475pt;">Total Liabilities</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,281,019</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.47pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,271,754</td>
            <td style="padding:0pt;padding-left:9.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Commitments and contingencies (note 8) </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Member&#8217;s Equity</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Contribution by member </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Retained earnings </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">446,349</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">398,122</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Accumulated other comprehensive income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(11,709<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(15,593<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:302.18pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total Equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">434,640</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">382,529</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:302.18pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total Liabilities and Member&#8217;s Equity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,715,659</div>
            </td>
            <td style="padding:0pt;padding-left:1.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,654,283</td>
            <td style="padding:0pt;padding-left:9.235pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-left:9.5pt; margin-top:-0.5pt; text-align:center; width:446.5pt; line-height:12pt;">
          <font style="letter-spacing:-0.361pt;"> </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the consolidated financial statements. </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-16</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCSOO2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:158.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Condensed Consolidated Statements of Operations and Comprehensive Income (Unaudited) </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:351.53pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:351.53pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Revenues</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">138,693</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">91,406</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in recoveries </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">3,621</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(84<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">142,314</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">91,322</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,898</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">2,222</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">10,731</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">6,412</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:19pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Total Revenues</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">154,943</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">99,956</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">542</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">787</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Operating Expenses</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">14,022</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">11,107</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">42,791</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">31,817</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,608</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">571</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,165</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">1,912</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">4,549</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">1,834</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Total Operating Expenses</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">65,135</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">47,241</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:19pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Net Operating Income</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">89,266</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">51,928</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Other Income (Expense)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest Expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(24,819<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(17,232<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,459</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">141</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total Other Income (Expense) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(22,360<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(17,091<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:351.53pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Income Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">66,906</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">34,837</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(2,679<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(1,939<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:351.53pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Net Income</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">64,227</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">32,898</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.25pt 0pt 2.25pt 0pt; width:351.53pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">3,884</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(2,763<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:351.53pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Comprehensive Income</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">68,111</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">30,135</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-left:9.5pt; margin-top:-0.5pt; text-align:center; width:446.5pt; line-height:12pt;">
          <font style="letter-spacing:-0.361pt;"> </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the consolidated financial statements. </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-17</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCSOM2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:364.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Condensed Consolidated Statements of Member&#8217;s Equity (Unaudited) </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:216.61pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Contributions</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">By Member </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Accumulated</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Other</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Comprehensive</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Income (Loss) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Retained</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Earnings </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:216.61pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">28,797</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(1,642<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">276,434</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">303,589</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:216.61pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Distributions to member </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:216.61pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">32,898</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">32,898</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:216.61pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(2,763<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(2,763<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:216.61pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, March&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">28,797</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(4,405<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">309,332</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">333,724</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:216.61pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(15,593<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">398,122</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">382,529</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:216.61pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Distributions to member </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(16,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(16,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:216.61pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">64,227</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">64,227</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:216.61pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.735pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">3,884</td>
            <td style="padding:0pt;padding-left:9.715pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">3,884</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:216.61pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, March&#160;31, 2025</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.515pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(11,709<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">446,349</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">434,640</td>
            <td style="padding:0pt;padding-left:-2.32pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-left:9.5pt; margin-top:-0.5pt; text-align:center; width:446.5pt; line-height:12pt;">
          <font style="letter-spacing:-0.361pt;"> </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the condensed consolidated financial statements(unaudited) </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-18</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCSOC2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Condensed Consolidated Statements of Cash Flows (Unaudited)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:342.57pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Three Months Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:342.57pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.25pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flows from operating activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">64,227</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">32,898</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Adjustments to reconcile net income to net cash and cash equivalents provided </font>
                <br >
                <font style="letter-spacing:-0.038pt;">by operating activities: </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization of property and equipment </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">317</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">345</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,411</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,187</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">542</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">787</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:19pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(7,691<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(2,557<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.5pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(8,126<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">2,735</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.25pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by operating activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">51,680</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">35,395</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flows from investing activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases of receivables </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(175,222<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(101,420<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases of credit card receivables </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(6,123<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(7,319<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Collections applied to investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">118,502</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">35,869</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Collections applied to credit card receivables </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">6,752</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">7,550</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases of property and equipment </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(143<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(155<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.25pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash used in investing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(56,234<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(65,475<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flow from financing activities </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Proceeds from lines of credit </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">174,790</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">464,707</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Payments on lines of credit </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(159,251<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(433,086<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Debt issuance costs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(2<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(6,440<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Distributions to member </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(16,000<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.25pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by financing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(463<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">25,181</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Exchange rate effects on cash balances held in foreign currencies </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(2,819<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(1,677<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net (decrease) increase in cash and cash equivalents and restricted cash </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(7,836<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(6,576<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, beginning of period </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">38,243</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">20,604</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 2.5pt 0pt; width:342.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, end of period </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">30,407</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">14,028</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Supplemental Cash Flow Disclosures </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">37,822</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">15,458</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Income taxes paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,699</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,939</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">New leases assumed </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">127</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.5pt 0pt 0.5pt 0pt; width:342.57pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">The following table provides a reconciliation of cash and cash equivalents and restricted cash and cash equivalents reported within the accompanying consolidated balance sheets that sum to the total of the same such amounts shown in the consolidated statements of cash flows: </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.5pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:342.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">26,989</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">10,790</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:342.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Restricted cash </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">3,418</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">3,238</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.583pt 0pt 1.667pt 0pt; width:342.57pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total cash and cash equivalents and restricted cash as shown in the consolidated statements of cash flows </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:0.583pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">30,407</div>
            </td>
            <td style="padding:0pt;padding-left:-3.375pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.583pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.583pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">14,028</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the condensed consolidated financial statements(unaudited) </font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-19</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fNCCF2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Notes to Condensed Consolidated Financial Statements (UNAUDITED)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">1. Organization, Description of Business and Summary of Significant Accounting Policies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The accompanying consolidated financial statements include the consolidated results of operations of Jefferson Capital Holdings, LLC and subsidiaries (the &#8220;Company&#8221;). The Company indirectly owns 100% of the outstanding interests of CL Holdings, LLC and Canastream Holdings Ltd. CL Holdings, LLC&#8217;s primary operating subsidiaries include Jefferson Capital Systems, LLC and FMT Services, LLC in the United States (&#8220;U.S.&#8221;), and JC International Acquisition, LLC, Creditlink Account Recovery Solutions, LTD, Resolvecall Ltd., and Moriarty Law Limited in the United Kingdom (&#8220;U.K.&#8221;). Canastream Holdings Ltd.&#8217;s primary operating subsidiaries include Canaccede Financial Group Ltd. and Fidem Finance Inc. in Canada. J.C. Flowers (&#8220;JCF&#8221;) and its affiliated funds directly or indirectly own greater than 95% of Jefferson Capital Holdings, LLC, with the former shareholders of Canaccede and current management owning the remainder.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company and its subsidiaries in the U.S., Canada, and the U.K. provide debt recovery solutions and other related services across a broad range of consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom and other receivables. The Company primarily purchases portfolios of consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Previously charged-off receivables include receivables subject to bankruptcy proceedings. The Company also provides debt servicing and other portfolio management services to credit originators for non-performing loans. Through credit card acquisition programs, the Company earns credit card revenue. All deployments are purchased from independent third parties.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company purchases portfolios of receivables from a diverse client base, including Fortune 500 creditors, banks, fintech origination platforms, telecommunications providers, credit card issuers, and auto finance companies. The Company&#8217;s top five clients accounted for 53.4% and 48.7%, with the top client representing 17.0% and 13.1% of purchases for the three&#160;months ended March&#160;31, 2025, and 2024, respectively. For credit card receivables, the Company purchases from two issuers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Basis of Presentation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The accompanying unaudited condensed consolidated interim financial statements include our accounts and those of our wholly-owned subsidiaries, and they reflect all adjustments which are necessary for a fair statement of results of operations, financial position, and cash flows for the periods presented in accordance with accounting principles generally accepted in the United States of America (&#8220;U.S. GAAP&#8221;). Such unaudited condensed consolidated interim financial statements have been prepared in accordance the rules and regulations of the U.S. Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted pursuant to such rules and regulations. The year-end condensed balance sheet data was derived from audited financial statements but does not include all disclosures required by U.S. GAAP.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">These unaudited condensed consolidated interim financial statements should be read in conjunction with our annual financial statements for the year ended December&#160;31, 2024 and have been prepared on a consistent basis with the accounting policies described in Note 1 of the Notes to Consolidated Financial Statements included in our Annual Report.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Principles of Consolidation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The consolidated financial statements reflect the accounts and operations of the Company, including all of its subsidiaries in which the Company has a controlling financial interest.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">All intercompany transactions and balances have been eliminated in consolidation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Translation of Foreign Currencies</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Foreign currency translation adjustments result from the process of translating financial statements from the Company&#8217;s foreign subsidiaries&#8217; functional currency, mainly the Canadian dollar for the Company&#8217;s Canadian business and British Pound for the Company&#8217;s United Kingdom businesses, into the Company&#8217;s reporting currency, the U.S. dollar. Translation adjustments are reported as a component of other comprehensive income. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-20</font>
          <br >
        </div>
      </div>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">Revenues and expenses are translated monthly utilizing average exchange rates and assets and liabilities are translated as of the balance sheet date utilizing the period end exchange rate.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The consolidated financial statements of certain of the Company&#8217;s foreign subsidiaries are measured using their local currency as the functional currency. Assets and liabilities of foreign operations are translated into U.S. dollars using period-end exchange rates, and revenues and expenses are translated into U.S. dollars using average exchange rates in effect during each period. The resulting translation adjustments are recorded as a component of other comprehensive income or loss. Equity accounts are translated at historical rates, except for the change in retained earnings during the year which is the result of the income statement translation process. Intercompany transaction gains or losses at each period end arising from subsequent measurement of balances for which settlement is not planned or anticipated in the foreseeable future are included as translation adjustments and recorded within other comprehensive income or loss. Translation gains or losses are the material components of accumulated other comprehensive income or loss.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Use of Estimates</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America (&#8220;GAAP&#8221;), and these principles require making estimates and assumptions affecting the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. These estimates are based on information available as of the date of the consolidated financial statements. The actual results could differ materially from these estimates. Significant estimates include the determination of recovery income associated with the investment in charged off receivables. The recognition of revenue from previously charged-off receivables is primarily calculated using ASC 326</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Financial Instruments</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Credit Losses, which is commonly referred to as the Current Expected Credit Loss or &#8220;CECL,&#8221; which is based on future collections and is subject to changes in estimates. Additionally, estimates of future credit losses on credit card receivables have a significant effect on the provision for loan losses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Cash and Cash Equivalents and Restricted Cash and Cash Equivalents</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Cash and cash equivalents consist of cash held in various bank deposit accounts. The Company considers all highly liquid cash investments with low interest rate risk and original maturities of three&#160;months or less to be cash equivalents. At times, cash balances may exceed the amounts insured by the respective national government. The Company monitors its banking relationships and has not experienced any losses in such accounts and management believes that the Company is not exposed to any significant credit risk with respect to its cash and cash equivalents. Restricted cash and cash equivalents reflects collections whereby the Company is a third-party servicer, required deposits maintained with the Company&#8217;s banking partners related to the Company&#8217;s credit card program, and U.K restricted deposits. Cash and cash equivalents are carried at cost, which approximates fair value.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Investments in Receivables</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company typically purchases receivable portfolios that are either significantly delinquent or have been previously charged off by the seller. These financial assets have experienced more-than-insignificant deterioration in credit quality, and as such meet the definition of Purchased Credit Deteriorated or &#8220;PCD&#8221; under CECL. Under PCD accounting, the portfolios are initially recognized at amortized cost by adding the acquisition date estimate of expected credit losses to the asset&#8217;s purchase price with no provision expense recorded at acquisition date. Receivable portfolio purchases are then aggregated into pools based on similar risk characteristics. Examples of risk characteristics include financial asset type, collateral type, size, interest rate, date of origination, term, and geographic location. The Company&#8217;s static pools are typically grouped into credit card, purchased consumer bankruptcy, and mortgage portfolios. The Company further groups these static pools by geographic location. Once a pool is established, and aggregated based on similar risk characteristics, the portfolios will remain in the designated pool unless the underlying risk characteristics change. The purchase Effective Interest Rate (&#8220;EIR&#8221;) of a pool will not change over the life of the pool even if expected future cash flows change. </font>
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          <font style="letter-spacing:-0.342pt;">F-21</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.038pt;">Revenue is recognized for each static pool over the economic life of the pool. Debt purchasing revenue includes two components:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">1.</font>
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          <font style="letter-spacing:-0.038pt;">Total portfolio income, which includes the accretion of the discount on the negative allowance due to the passage of time (generally the portfolio balance multiplied by the EIR), all revenue from zero basis portfolio collections, as well as interest and fees recognized on performing receivable portfolios, and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">2.</font>
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          <font style="letter-spacing:-0.038pt;">Changes in recoveries, which include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">a.</font>
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          <font style="letter-spacing:-0.038pt;">Recoveries above or below forecast, which is the difference between (i)&#160;actual cash collected/ recovered during the current period and (ii)&#160;expected cash recoveries for the current period, which generally represents over or under performance for the period; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">b.</font>
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          <font style="letter-spacing:-0.038pt;">Changes in expected future recoveries, which is the present value change of expected future recoveries, where such change generally results from (i)&#160;timing of collections (amounts either expected to be collected early or later) and (ii)&#160;changes to the total amount of expected future collections (which can be increases or decreases).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">The Company measures expected future recoveries based on historical experience, current conditions, and reasonable and supportable forecasts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Write Off and Negative Allowance for Expected Recoveries</font><font style="letter-spacing:-0.038pt;">:&nbsp;&nbsp;&nbsp;At purchase, the Company deems these portfolios to be uncollectible due to being significantly delinquent and previously being charged off by the seller prior to purchase. In accordance with its write-off policy, the Company immediately writes off the amortized cost of the purchased portfolios at acquisition. Subsequent to write-off, the Company establishes a negative allowance for expected recoveries equal to the amount the Company expects to collect over the life of the receivable portfolio. The negative allowance will not exceed the amortized cost basis of the purchased portfolios prior to charge off.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Pooling:&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:-0.038pt;">The Company aggregates purchases of receivables into pools based on risk characteristics, primarily financial asset type and expected credit loss pattern. Once a pool is established, the composition of the pool will not change unless there is a change in the underlying risk characteristics of the individual loans.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Methodology</font><font style="letter-spacing:-0.038pt;">:&nbsp;&nbsp;&nbsp;The negative allowance is calculated at a pool level and represents the amount of future expected recoveries discounted to present value. The discount rate used in the calculation is the effective interest rate that equates the purchase price of the portfolio and the expected future cash flows at the purchase date. An annual pool is created throughout the year as the Company purchases portfolios. The Company pools accounts with similar risk characteristics that are acquired in the same year. A blended effective interest rate will adjust to reflect new acquisitions and new cash flow estimates until the end of the year. The effective interest rate for a pool is fixed for the remaining life of the pool once the year has ended. Thus, the effective interest rate will not change after the year has ended even if expected cash flows change for the pool.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Income Recognition</font><font style="letter-spacing:-0.038pt;">:&nbsp;&nbsp;&nbsp;Under ASC 326, revenue related to investments in receivables is recognized for accretion/amortization due to the passage of time, changes in current period expected recoveries due to variances between actual and expected collections, and changes in future expected recoveries, discounted to present value. Discount accretion due to the passage of time based on the established pool effective interest rate (&#8220;EIR&#8221;) is shown in &#8220;Total portfolio income&#8221; of the consolidated statement of operations. Changes in current period expected recoveries due to variances between actual and expected collections and changes in future expected recoveries, discounted to present value, are shown in &#8220;Changes in recoveries&#8221; of the consolidated statement of operations. Additionally, the Company recognized performing loans carried at amortized cost and include accrued interest receivable, deferred fees, and costs. These loans are shown in &#8220;Total portfolio income&#8221; on the consolidated statement of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Credit Card Receivables</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company&#8217;s Credit Card Receivables consist primarily of credit card receivables held for investment. Loans are carried at amortized cost and include accrued interest receivable, deferred fees, and costs. Upfront fees and costs are expensed as incurred. Interest income is recognized on loans and fees receivable using the contractual interest rate. The Company considers loans to be past due when they are 90&#160;days or more past due, </font>
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          <font style="letter-spacing:-0.342pt;">F-22</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="letter-spacing:-0.038pt;">at which time the Company places the loans on nonaccrual status. It is the Company&#8217;s policy to write off loans when they are 180&#160;days past due, or sooner if facts and circumstances indicate earlier non-collectability. </font>
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          <font style="letter-spacing:0.475pt;">Allowance for Credit Losses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company provides an allowance for credit losses on loans and fees receivable. Judgement is required to assess the estimate of current expected credit losses. Management continuously evaluates its estimate for determining the most appropriate allowance for credit losses. The allowance for credit losses on loans and fees receivable is computed at the pool level using a roll-rate methodology. Management considers several factors in the measurement of the allowance, including historical loss rates, current delinquency and roll-rate trends, the effects of changes in the economy, changes in underwriting criteria, and estimated recoveries. The estimated allowance consists of both qualitative and quantitative adjustments. A reasonable and supportable forecast is considered as part of the qualitative adjustment, as permitted by the standard. The allowance is estimated based on amortized cost basis of the loan including principal, accrued interest receivable, deferred fees, and costs. The Company places receivables on non-accrual at 90&#160;days past due and writes off the accrued interest at 180&#160;days past due. Expected recoveries are included in the measurement of the allowance for credit losses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company does not record an allowance related to unfunded commitments as these agreements are unconditionally cancelable by the Company.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Other Intangible Assets</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The determination of the recorded value of intangible assets acquired in a business combination requires management to make estimates and assumptions that affect the Company&#8217;s consolidated financial statements. Valuation techniques consistent with the market approach, income approach and/or cost approach are used to measure fair value. An estimate of fair value can be affected by many assumptions that require significant judgment. The Company amortizes identifiable intangible assets with finite lives over their useful lives. The Company evaluates these assets for impairment similar to long lived assets as outlined below in &#8220;Fixed Asset Impairment.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Goodwill</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Goodwill is calculated as the excess of the cost of purchased businesses over the fair value of their underlying net assets. Goodwill is allocated and evaluated at the reporting unit level, which are the Company&#8217;s operating segments. The Company allocates goodwill to one or more reporting&#160;units that are expected to benefit from synergies of the business combination.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Goodwill is not amortized but is evaluated for impairment annually as of June&#160;30th or whenever events or changes in circumstances indicate that its carrying amount may not be recoverable. When testing goodwill for impairment, the Company has the option of first performing a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as the basis to determine if it is necessary to perform a quantitative goodwill impairment test. In performing its qualitative assessment, the Company considers the extent to which unfavorable events or circumstances identified, such as changes in economic conditions, industry and market conditions or company specific events, could affect the comparison of the reporting unit&#8217;s fair value with its carrying amount. If the Company concludes that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, the Company is required to perform a quantitative impairment test.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Quantitative impairment testing for goodwill is based upon the fair value of a reporting unit as compared to its carrying value. The Company makes certain judgments and assumptions in allocating assets and liabilities to determine carrying values for its reporting&#160;units. To determine fair value of the reporting unit, the Company uses the income approach. Under the income approach, fair value is determined using a discounted cash flow method, projecting future cash flows of each reporting unit, as well as a terminal value, and discounting such cash flows at a rate of return that reflects the relative risk of the cash flows. The impairment loss recognized would be the difference between a reporting unit&#8217;s carrying value and fair value in an amount not to exceed the carrying value of the reporting unit&#8217;s goodwill.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">F-23</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.475pt;">Prepaid Expenses and Other Assets</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets consist of property and equipment, deposits the Company is required to maintain with third parties (other than restricted cash), prepaid obligations such as rent and postage, receivables due from third parties and other assets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Property and equipment are depreciated and amortized using the straight-line method over the estimated useful lives of the assets, which are approximately 3&#160;years for software, 5&#160;years for equipment, 5 to 10&#160;years for furniture and fixtures, and 5 to 6&#160;years for leasehold improvements. Management periodically reviews these assets to determine if any impairment exists whenever events or changes in circumstances indicate that the carrying amount may not be recoverable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Fixed Asset Impairment</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Long-lived assets or asset groups are tested for impairment whenever events or circumstances indicate that the carrying amount of the asset or asset group may not be recoverable. The Company groups its long-lived assets classified as held and used at the lowest level for which identifiable cash flows are largely independent of the cash flows from other assets and liabilities for purposes of testing for impairment.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company monitors the operating and cash flow results of its long-lived assets or asset groups classified as held and used to identify whether events and circumstances indicate the remaining useful lives of those assets should be adjusted or if the carrying value of those assets or asset groups may not be recoverable. Undiscounted estimated future cash flows are compared with the carrying value of the long-lived asset or asset group in the event indicators of impairment are identified. If the undiscounted estimated future cash flows are less than the carrying amount, the Company determines the fair value of the asset or asset group and records an impairment charge in current earnings to the extent carrying value exceeds fair value. Fair values may be determined based on estimated discounted cash flows by prices for like or similar assets in similar markets or a combination of both. There were no such impairments for the&#160;years ended December&#160;31, 2024, or 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Depreciation expense was $0.3&#160;million for both the three&#160;months ended March&#160;31, 2025, and 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Revenue Recognition</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company&#8217;s revenues primarily include Revenues from receivable portfolios associated with Investments in receivables, which is revenue recognized from engaging in debt purchasing and recovery activities. The Company fully writes off the amortized costs (i.e., face value net of noncredit discount) of the individual receivables it acquires immediately after purchasing the portfolio. The Company then records a negative allowance that represents the present value of all expected future recoveries for pools of receivables that share similar risk characteristics using a discounted cash flow approach, which is presented as &#8220;Investment in receivable portfolios, net&#8221; in the Company&#8217;s consolidated balance sheet. The discount rate is an EIR established based on the purchase price of the portfolio and the expected future cash flows at the time of purchase. Additionally, in recent periods the Company has purchased performing receivable portfolios and continues to do so at a deep discount. The credit quality of these portfolios continues to meet the definition of PCD.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Debt purchasing revenue includes two components:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">(1)</font>
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          <font style="letter-spacing:-0.038pt;">Total portfolio income, which includes the accretion of the discount on the negative allowance due to the passage of time (generally the portfolio balance multiplied by the EIR), all revenue from zero basis portfolio collections, as well as interest and fees recognized on performing receivable portfolios, and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">(2)</font>
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          <font style="letter-spacing:-0.038pt;">Changes in recoveries, which include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">a.</font>
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          <font style="letter-spacing:-0.038pt;">Recoveries above or below forecast, which is the difference between (i)&#160;actual cash collected/ recovered during the current period and (ii)&#160;expected cash recoveries for the current period, which generally represents over or under performance for the period; and </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">F-24</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">b.</font>
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        <div style=" line-height:12pt; text-align:left; margin-left:60pt;">
          <font style="letter-spacing:-0.038pt;">Changes in expected future recoveries, which is the present value change of expected future recoveries, where such change generally results from (i)&#160;timing of collections (amounts either expected to be collected early or later) and (ii)&#160;changes to the total amount of expected future collections (which can be increases or decreases).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Credit Card Revenue</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Credit card revenue includes interest income, annual fees, late fees, as well as interchange fees, cash advance fees and other miscellaneous items from credit card transactions. Interest income is accrued monthly based on the outstanding receivables and their contractual interest rates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Servicing Revenue</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company recognizes servicing revenue following ASC 860, Transfers and Servicing. Servicing revenue consists primarily of fee-based income earned on accounts collected on behalf of others, primarily credit originators. The Company earns fee-based income by providing debt servicing to credit originators for nonperforming loans in the United States, Canada, and the United Kingdom.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Servicing Expenses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Servicing expenses primarily include collections and customer service expenses associated with previously charged off receivables, such as the cost of outsourced collections, debtor correspondence, and other direct expenses associated with collections and customer service efforts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Income Taxes</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company is a single-member limited liability company with numerous subsidiaries, most of which are limited liability companies. As such, the Company&#8217;s income is taxable to its members and generally not subject to federal and state income taxes at the company level. However, certain of the Company&#8217;s foreign subsidiaries are required to pay income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We account for income taxes under the asset and liability method, which requires the recognition of deferred tax assets (&#8220;DTA&#8221;) and deferred tax liabilities (&#8220;DTL&#8221;) for the expected future tax consequences of events that have been included in the financial statements. Under this method, we determine the DTAs and DTLs on the basis of the differences between the financial statement and tax bases of assets and liabilities by using enacted tax rates in effect for the year in which the differences are expected to reverse. The effect of a change in tax rates on DTAs and DTLs is recognized in income in the period that includes the enactment date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">We recognize DTAs to the extent that we believe that these assets are more likely than not to be realized in making such a determination. We consider all available positive and negative evidence, including future reversals of existing taxable temporary differences, projected future taxable income, tax-planning strategies, carryback potential if permitted under the tax law, and results of recent operations. If we determine that we would be able to realize our DTAs in the future in excess of their net recorded amount, we would make an adjustment to the DTA valuation allowance, which would reduce the provision for income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We record uncertain tax positions in accordance with ASC 740 on the basis of a two-step process in which (1)&#160;we determine whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2)&#160;for those tax positions that meet the more-likely-than-not recognition threshold. We recognize the largest amount of the tax benefit that is more than 50% likely to be realized upon ultimate settlement with the related tax authority.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Recently Adopted Accounting Standards</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In November&#160;2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures (&#8220;ASU 2023-07&#8221;). ASU 2023-07 requires disclosure of significant segment expenses that are regularly provided to the chief operating decision maker and included within the segment measure of profit or loss. This guidance will be applied retrospectively and is effective for annual reporting periods in fiscal&#160;years beginning after December&#160;15, 2023, and interim reporting periods in fiscal&#160;years beginning after December&#160;31, 2024. The Company has adopted ASU 2023-07 effective December&#160;31, 2024 and concluded that the application of this guidance did not have any material impact on its consolidated financial statements. See Note 13 for more information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">F-25</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:17pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.475pt;">Recent Accounting Standards or Updates Not Yet Adopted</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In October&#160;2023, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC&#8217;s Disclosure Update and Simplification Initiative, to amend certain disclosure and presentation requirements for a variety of topics within the Accounting Standards Codification (&#8220;ASC&#8221;). These amendments align the requirements in the ASC to the removal of certain disclosure requirements set out in Regulation&#160;S-X and Regulation&#160;S-K, announced by the Securities and Exchange Commission (&#8220;SEC&#8221;). The effective date for each amended topic in the ASC is either the date on which the SEC&#8217;s removal of the related disclosure requirement from Regulation&#160;S-X or Regulation&#160;S-K becomes effective, or on June&#160;30, 2027, if the SEC has not removed the requirements by that date. Early adoption is prohibited. The Company is currently evaluating these provisions and the impact they may have on its consolidated financial statements and related disclosures.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In December&#160;2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (&#8220;ASU 2023-09&#8221;). ASU 2023-09 requires disaggregated information about a reporting entity&#8217;s effective tax rate reconciliation as well as information on income taxes paid. The standard is intended to benefit investors by providing more detailed income tax disclosures that would be useful in making capital allocation decisions and apply to all entities subject to income taxes. The new standard is effective for annual periods beginning after December&#160;15, 2024. The Company is currently evaluating the provisions of this ASU and the impact on its consolidated financial statements and related disclosures.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In November&#160;2024, the FASB issued ASU 2024-03, which requires disaggregated disclosure of income statement expenses for public business entities (PBEs). The objective of ASU 2024-03 is to address requests from investors for more detailed information about the types of expenses. The ASU does not change the expense captions an entity presents on the face of the income statement; rather, it requires disaggregation of certain expense captions into specified categories in disclosures within the footnotes to the financial statements. The effective date for annual reporting periods is after December&#160;15, 2026, and interim periods within those annual periods beginning after December&#160;15, 2027.The Company is currently evaluating these provisions of this ASU and the impact they may have on its consolidated financial statements and related disclosures.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.5pt;">2. Acquisitions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Effective December&#160;3, 2024, the Company&#8217;s U.S. subsidiary Jefferson Capital Systems, LLC entered into a definitive agreement to purchase certain assets from Conn&#8217;s, Inc. (&#8220;Conn&#8217;s) though a bankruptcy process for $244.9&#160;million in cash (the &#8220;Conn&#8217;s Portfolio Purchase&#8221;).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">A wholly owned subsidiary of Jefferson Capital hired 197 of the former full-time equivalents (&#8220;FTE&#8221;) of Conn&#8217;s on December&#160;4, 2024, to manage and service the assets acquired in the Conn&#8217;s Portfolio Purchase through their remaining life and entered into certain vendor contracts to maintain continuity of account servicing. In addition, Jefferson Capital was assigned a lease in San Antonio, Texas that had originally been entered into by Conn&#8217;s on November&#160;10, 2024, at Jefferson Capital&#8217;s request, in part to ensure that the Company would have its desired facility in place by the closing of the Conn&#8217;s Portfolio Purchase. Jefferson Capital relocated the 197 new FTE of Jefferson Capital to the new San Antonio facility in January&#160;2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Conn&#8217;s Portfolio Purchase was accounted for as an asset acquisition in accordance with the asset acquisition method of accounting as detailed in ASC 805-50, Business Combinations</font><font style="letter-spacing:-0.361pt;">&#8201;&#8212;&#8201;</font><font style="letter-spacing:-0.038pt;">Related Issues (&#8220;ASC 805&#8221;). Generally, under asset acquisition accounting, acquiring assets in groups not only requires ascertaining the cost of the asset (or net assets), but also allocating that cost to the individual assets (or individual assets and liabilities) that make up the group. The cost of the group of assets acquired in an asset acquisition is allocated to the individual assets acquired or liabilities assumed based on their relative fair values of net identifiable assets acquired other than certain &#8220;non-qualifying&#8221; assets (for example cash) and does not give rise to goodwill. The Company has determined the relative fair values of the assets acquired and liabilities assumed, as of the date of acquisition, as presented on the next page (in thousands): </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">F-26</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 0.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Purchase Price:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total purchase consideration paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">244,937</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Allocation of purchase price:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,224</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Investments in receivables, net: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Unpaid principal balance </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">566,696</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Allowance for credit losses at time of acquisition </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(251,317<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Non-credit discount </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(89,316<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Investment in previously charged-off receivables </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">11,964</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">238,028</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Lease (ROU asset) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">789</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Information Technology Hardware </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">413</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total prepaid expenses and other assets: </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,202</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Other intangible assets: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Intellectual property </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">2,881</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Assembled workforce </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">2,391</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total other intangible assets </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">5,272</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Lease (ROU liability) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(789<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; width:341.79pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total net assets acquired</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">244,937</td>
            <td style="padding:0pt;padding-left:1.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="15">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.1pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The investments in receivables, net exhibited more than insignificant credit deterioration on the acquisition date and were valued as per ASC 326, CECL methodology for PCD assets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company has allocated the purchase price by evaluating the market value of each asset or liability acquired at the time of purchase. The Company utilized the same methodology in allocating purchase price as a business combination by evaluating the market value of each item acquired at the time of purchase. The market values were determined by using the approximate costs of the services provided today. The market value apportionment&#160;percentage of each respective item was then applied to the purchase price to establish the allocated book values.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">For the acquired intangible assets, the weighted-average amortization period is thirty-one (31) months for both intellectual property and assembled workforce, as well as the combined total. There will be no residual value at the end of the life. For the information technology hardware the depreciable life is thirty-six (36)&#160;months, which follows the Company&#8217;s policy.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In the three&#160;months ended March&#160;31, 2025, the Company recognized total portfolio revenue of $30.0&#160;million, servicing revenue of $2.0&#160;million and net operating income of $23.3&#160;million related to the Conn&#8217;s Portfolio Purchase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">3. Fair Value Measurements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company measures the fair values of its assets and liabilities, where applicable, based on the price that would be received upon sale of an asset or the price paid to transfer a liability, in an orderly transaction between market participants at the measurement date, i.e., the &#8220;exit price&#8221;. Under applicable accounting standards, fair value measurements are categorized into one of three levels based on the inputs to the valuation technique with the highest priority given to unadjusted quoted prices in active markets and the lowest priority given to unobservable inputs. The Company categorizes its fair value measurements of financial instruments based on this three-level hierarchy. The following is a brief description of each level:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.7pt; margin-bottom:0pt; text-align:left; width:40pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">Level&#160;1</font>
          <br >
        </div>
        <div style=" margin-top:8.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <font style="letter-spacing:-0.038pt;">Unadjusted quoted prices in active markets for identical assets or liabilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-27</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:40pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">Level&#160;2</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:60pt;">
          <font style="letter-spacing:-0.038pt;">Observable inputs other than Level&#160;1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9pt; margin-bottom:0pt; text-align:left; width:40pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">Level&#160;3</font>
          <br >
        </div>
        <div style=" margin-top:9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <font style="letter-spacing:-0.038pt;">Unobservable inputs that are supported by little or no market activity and that are significant to the overall fair value of the assets or liabilities. Level&#160;3 assets and liabilities include financial instruments for which the determination of fair value requires significant management judgment or estimation. The fair value for such assets and liabilities is generally determined using pricing models, discounted cash flow methodologies or similar techniques that incorporate the assumptions a market participant would use in pricing the asset or liability. An example for the Company is Investments in Receivables, net (Note 3).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company does not have any financial instruments that are subject to fair value measurements on a recurring basis.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Financial Instruments Not Required to Be Carried at Fair Value</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The table below summarizes fair value estimates for the Company&#8217;s financial instruments that are not required to be carried at fair value.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The carrying amounts in the following table are recorded in the consolidated balance sheet as of March&#160;31, 2025, and December&#160;31, 2024 (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:199.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:199.11pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Carrying</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Fair Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Carrying</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Fair Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:199.11pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Financial Assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:199.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,561,595</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,747,361</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,497,748</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,646,535</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:199.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card receivable, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">16,008</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">16,008</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">17,176</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">17,176</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:199.11pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Financial Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:199.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit Agreements </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">524,292</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">529,512</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">508,146</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">513,799</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:199.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">298,171</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">298,794</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">297,828</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">299,478</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:199.11pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2029 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">394,748</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">426,420</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">394,405</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">424,792</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.6pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Investment in receivables, net</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The fair value of investments in receivables, net is measured using Level&#160;3 inputs by discounting the estimated future cash flows generated by the Company&#8217;s proprietary forecasting models. The key inputs include the estimated future gross cash flow, average cost to collect, and a discount rate. The determination of such inputs requires significant judgment. The Company evaluates the use of key inputs on an ongoing basis and refines the data as it continues to obtain market data. See Note 4.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Credit card receivables, net</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The fair value approximates the carrying value, due to their current nature.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Credit agreements</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The fair value of notes payable is measured using Level&#160;3 inputs. The fair value approximates the principal value due to the short-term adjustable-rate nature of the notes payable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Senior unsecured bonds due 2026 and 2029</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The fair value estimates for the Senior Unsecured Bond are based on quoted market prices that were obtained from secondary market broker quotes. Accordingly, the Company uses Level&#160;2 inputs for its fair value estimates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-28</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">4. Investment in receivables, net</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table presents the roll forward of the balance of the investment in receivables, net for the following periods (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:318.21pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Three Months Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:318.21pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:318.21pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, beginning of period</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,497,748</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">984,496</td>
            <td style="padding:0pt;padding-left:4.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:318.21pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">175,222</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">101,420</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:318.21pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Cash collections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(260,891<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">(127,191<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:318.21pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">138,693</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">91,406</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:318.21pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in expected current period recoveries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">6,398</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">3,096</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:318.21pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in expected future period recoveries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(2,777<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">(3,179<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:318.21pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency adjustments </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">7,202</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">(2,874<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:4.69pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:318.21pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, end of period</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,561,595</td>
            <td style="padding:0pt;padding-left:2.57pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.82pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:37.5pt; text-align:right; white-space:nowrap;">1,047,174</td>
            <td style="padding:0pt;padding-left:4.82pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.19pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">The table below provides the detail on the establishment of negative allowance for expected recoveries of portfolios purchased during the periods presented (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <table style="width:456pt;margin-top:9.30000000000001pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:321.23pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Three Months Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:321.23pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Purchase price </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">175,222</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">101,420</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Allowance for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">2,434,302</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">1,323,209</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortized cost </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">2,609,524</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">1,424,629</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Noncredit discount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">147,851</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">94,799</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Face value </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">2,757,375</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">1,519,428</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Write-off of amortized cost </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">(2,609,524<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">(1,424,629<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Write-off of noncredit discount </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">(147,851<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">(94,799<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Negative allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">175,222</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">101,420</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:321.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Negative allowance for expected recoveries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">175,222</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">101,420</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Recoveries above or below forecast represent over and under-performance in the reporting period, respectively. Actual collections during the three&#160;months ended March&#160;31, 2025, and 2024, overperformed the projected collections by approximately $6.4&#160;million and $3.1&#160;million, respectively. The Company believes the collection outperformance was primarily driven by continued strong collection performance in the Company&#8217;s utilities and telecom asset class and the expansion of the legal channel.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">When reassessing the forecasts of expected lifetime recoveries during the three&#160;months ended March&#160;31, 2025, management considered historical and current collection performance and believes that for certain static pools sustained collections underperformance resulted in decreased total expected recoveries. As a result, the Company has updated its forecast, resulting in a net decrease of total estimated remaining collections, which in turn, when discounted to present value, resulted in a negative change in expected future period recoveries of approximately $0.1&#160;million and $3.2&#160;million during the three&#160;months ended March&#160;31, 2025, and 2024, respectively. Additionally, the Company performed its quarterly evaluation of the allowance for credit losses, which resulted in an increase of approximately $2.7&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company places performing receivables on nonaccrual status when the receivables are greater than 90&#160;days. To facilitate the monitoring of credit quality for performing receivables, and for the purpose of determining an appropriate allowance for losses for these receivables, the Company utilizes payment history and current payment status. The below tables present the information on the past due and non-accrual buckets </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-29</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:16.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">for the assets acquired in the Conn&#8217;s Portfolio Purchase, and does not include all other purchased loans as they were charged-off at the time or purchase, as of March&#160;31, 2025 and December&#160;31, 2024 (in thousands): </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:304.84pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:304.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Delinquency by Vintage </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:304.84pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">United States</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:304.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">257,727</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">352,403</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:304.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">21,772</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">33,683</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:304.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">17,708</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">29,685</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:304.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">149,883</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">121,337</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:304.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortized Cost &gt; 90 DPD and Accruing </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:7.14pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.92pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:304.84pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.275pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">447,090</td>
            <td style="padding:0pt;padding-left:8.275pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.305pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">537,108</td>
            <td style="padding:0pt;padding-left:16.305pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table presents non-accrual performing loans by segment (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:228.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of March&#160;31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:228.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">with No</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">with No</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:228.45pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">149,883</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.305pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:10.305pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">121,337</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.305pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:10.305pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:228.45pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">149,883</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:18pt; text-align:right; white-space:nowrap;">&nbsp;&nbsp;&nbsp;&#8212;</td>
            <td style="padding:0pt;padding-left:10.445pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">121,337</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&nbsp;&nbsp;&nbsp;&#8212;</td>
            <td style="padding:0pt;padding-left:12.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">For the three&#160;months ended March&#160;31, 2025, the Company purchased receivable portfolios with face values of $2,757.4&#160;million for a purchase price of $175.2&#160;million or 6.4% of face value. For the three&#160;months ended March&#160;31, 2024, the Company purchased receivable portfolios with face values of $1,519.4&#160;million for a purchase price of $101.4&#160;million or 6.7% of face value. The price paid relative to the face amount of receivables will vary based upon the type of debt purchased, the age of the debt at the time of acquisition and the overall debt acquisition market. The&#160;percentage reported represents the weighted average of activity for the period and is a function of the mix of assets acquired in any period. For the receivables purchased in the three&#160;months ended March&#160;31, 2025, and 2024, the estimated amount of cash flows to be collected were $323.1&#160;million and $196.2&#160;million (as of purchase), respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">5. Credit Card Receivables</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the credit card receivables, gross of allowance for credit losses, by geography (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:302.18pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of March&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.705pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,157</td>
            <td style="padding:0pt;padding-left:10.705pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">7,470</td>
            <td style="padding:0pt;padding-left:16.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:302.18pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.705pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,552</td>
            <td style="padding:0pt;padding-left:10.705pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.485pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">11,613</td>
            <td style="padding:0pt;padding-left:16.485pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:302.18pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.19pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">17,709</td>
            <td style="padding:0pt;padding-left:11.19pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">19,083</td>
            <td style="padding:0pt;padding-left:19.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company places credit card receivables on nonaccrual status when the credit card receivables are greater than 90&#160;days past due or within 60&#160;days of being notified that the customer is in bankruptcy status, whichever is earlier. The below tables present the information on the Company&#8217;s past due and non-accrual credit card receivables as of March&#160;31, 2025, and December&#160;31, 2024. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-30</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Age Analysis of Past-Due Credit Card Receivables at March&#160;31, 2025</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:133.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Past Due </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amortized Cost </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">&gt; 90 DPD and</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Accruing</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:133.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">164</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">165</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">418</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">747</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,410</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,157</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.87pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:133.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">221</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">171</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">347</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">739</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">9,813</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,552</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:133.89pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">385</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">336</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">765</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,486</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">16,223</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">17,709</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.65pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:20.65pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="44">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.62pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Age Analysis of Past-Due Credit Card Receivables At December&#160;31, 2024</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:123.46pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">($ in 000s) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Past Due </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amortized Cost &gt; </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">90 DPD and </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Accruing</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:123.46pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">196</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">177</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">551</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">924</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,546</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,470</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:22.38pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:22.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:123.46pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">281</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">157</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">339</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">777</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,836</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">11,613</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:22.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:22.38pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:123.46pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">477</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">334</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">890</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,701</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">17,382</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,083</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.16pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:24.16pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="44">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5.46pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:5.46pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">The Company does not accrue interest on receivables greater than 90&#160;days past due.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:3.9pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Allowance for Credit Losses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the change in the allowance for credit losses for the Company&#8217;s credit card receivables portfolio (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:310.66pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:310.66pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance as of December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,109</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,104</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,213</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:310.66pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Charge-offs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(528<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(379<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(907<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:310.66pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">474</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">313</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">787</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:310.66pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance as of March&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,055</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,038</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">2,093</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:310.66pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance as of December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">957</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">950</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,907</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:310.66pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Charge-offs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(532<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(395<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(927<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:310.66pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Recoveries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">81</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">98</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">179</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:310.66pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">332</td>
            <td style="padding:0pt;padding-left:11.12pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">210</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">542</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:310.66pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance as of March&#160;31, 2025</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">838</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">863</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,701</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="20">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:2.1pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Non-Accrual Loans</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table presents non-accrual loans by segment (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:228.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:228.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">with No</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">with No</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:228.45pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">418</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">551</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:228.45pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">347</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">339</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:228.45pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">765</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:11.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">890</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.195pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:14.195pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:4.62pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">No interest income was recorded for the non-accrual receivables for three&#160;months ended March&#160;31, 2025 or the year ended December&#160;31, 2024.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Credit Quality Indicators</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">To facilitate the monitoring of credit quality for credit card receivables, and for the purpose of determining an appropriate allowance for credit losses for these receivables, the Company utilizes payment history and </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-31</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">current payment status. The following table (on the next page) presents amortized cost basis credit card receivables by age analysis (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Delinquency </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March 31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December 31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">United States</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,410</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">6,547</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">164</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">197</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">165</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">176</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">418</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">550</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:344.86pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.52pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">7,157</td>
            <td style="padding:0pt;padding-left:0.52pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.55pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">7,470</td>
            <td style="padding:0pt;padding-left:8.55pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Canada</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">9,813</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">10,836</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">221</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">282</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">171</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">157</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">347</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">338</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:344.86pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.52pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,552</td>
            <td style="padding:0pt;padding-left:0.52pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.55pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">11,613</td>
            <td style="padding:0pt;padding-left:8.55pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Combined</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">16,223</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">17,383</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">385</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">479</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">336</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">333</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:344.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">765</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">888</td>
            <td style="padding:0pt;padding-left:5.815pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:344.86pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.52pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">17,709</td>
            <td style="padding:0pt;padding-left:0.52pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.55pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">19,083</td>
            <td style="padding:0pt;padding-left:8.55pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.72pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">6. Goodwill and Other Intangible Assets</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company tests goodwill for impairment at least annually as of June&#160;30, or more frequently, if certain events or circumstances warrant. During the three&#160;months ended March&#160;31, 2025, and fiscal year 2024, the Company recorded no impairments of goodwill at the Company&#8217;s reporting&#160;units.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:7.82pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the changes in goodwill and other intangible assets (in thousands) in the Company&#8217;s reportable segments:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:233.32pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Goodwill</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">31,633</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">18,120</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">7,417</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">57,170</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Acquisitions </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,073</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,073</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(158<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:233.32pt;text-align:left;">
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                <font style="letter-spacing:0.475pt;">March&#160;31, 2024</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">31,633</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,193</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">7,259</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">58,085</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
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                <font style="letter-spacing:0.475pt;">December&#160;31, 2024</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">31,633</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">19,209</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">6,841</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">57,683</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
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            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">March&#160;31, 2025</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">31,633</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,209</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">6,850</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">57,692</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Intangible assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,653</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">3,866</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,519</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
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                <font style="letter-spacing:-0.038pt;">Less: Amortization </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(73<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(154<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(227<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">(81<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(81<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">March&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,580</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">3,631</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">6,211</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-32</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:233.32pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.725000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">7,248</td>
            <td style="padding:0pt;padding-left:-0.725000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.905pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,989</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.865pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.865pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,237</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Less: Amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(1,145<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(145<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(1,290<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:233.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">March&#160;31, 2025</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.725000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">6,103</td>
            <td style="padding:0pt;padding-left:-0.725000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.905pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.905pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">2,847</td>
            <td style="padding:0pt;padding-left:-3.485pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.865pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.865pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">8,950</td>
            <td style="padding:0pt;padding-left:-2.975pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.4pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Amortization expense over the next five&#160;years and thereafter is expected as follows (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:412.09pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2,523</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">2,224</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2027 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1,442</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2028 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">865</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2029 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">865</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1,031</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total future minimum amortization expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8,950</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.4pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">7. Notes Payable, Net (in thousands)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:239.55pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of March&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:239.55pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Outstanding </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Interest</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Rate </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Outstanding </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Interest</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Rate </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:239.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">300,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">300,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:239.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2029 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">400,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.50<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">400,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.50<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:239.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit agreements </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">524,292</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">7.42<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">508,146</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">7.51<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:239.55pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,224,292</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.75<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,208,146</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.79<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:239.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Unamortized debt issuance costs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(12,301<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(13,420<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:239.55pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Notes Payable, net</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,211,991</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,194,726</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.4pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Effective May&#160;21, 2021, the Company entered into a new $500&#160;million, 3-year credit facility with a maturity of May&#160;21, 2024 (&#8220;Credit Agreement&#8221;). The interest rate for the Credit Agreement incorporates a spread above the relevant currency LIBOR. Effective December&#160;28, 2021, the Credit Agreement was amended to incorporate LIBOR replacement provisions to reflect the current market approach, including SONIA loans in addition to the previously available SOFR loans for GBP denominated loans. The Financial Conduct Authority ceased publishing most LIBOR rates effective January&#160;1, 2022, with an extension to June&#160;30, 2023, for the remaining LIBOR rates. The Company&#8217;s USD LIBOR rates fall under the extension to June&#160;30, 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On August&#160;4, 2021, the Company completed an offering of $300.0&#160;million aggregate principal amount of 6.000% senior notes due 2026 (the &#8220;2026 Notes&#8221;) under an indenture (the &#8220;2026 Notes Indenture&#8221;), dated as of August&#160;4, 2021, among the Company, the guarantors party thereto and U.S. Bank Trust Company, National Association (as successor to U.S. Bank National Association), as trustee. The 2026 Notes are general senior unsecured obligations of the Company and are guaranteed by certain of the Company&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2026 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on February&#160;15, 2022. The 2026 Notes mature on August&#160;15, 2026. At any time and from time to time prior to August&#160;15, 2023, the 2026 Notes may be redeemed at the Company&#8217;s option, in whole or in part, at a redemption price equal to 100% of the principal amount of the 2026 Notes redeemed, plus accrued and unpaid interest thereon, if any, to but excluding the applicable date of redemption, subject to the rights of holders of 2026 Notes on the relevant record date to receive interest due </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-33</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">on the relevant interest payment date, plus the applicable premium as of the applicable redemption date. On and after August&#160;15, 2023, the 2026 Notes may be redeemed, at the Company&#8217;s option, in whole or in part, at any time and from time to time, at the redemption prices set forth below. The 2026 Notes will be redeemable at the redemption prices (expressed as&#160;percentages of principal amount of the 2026 Notes to be redeemed) set forth below plus accrued and unpaid interest thereon, if any, to but excluding the applicable redemption date, subject to the right of holders of the 2026 Notes on the relevant record date to receive interest due on the relevant interest payment date, if redeemed during the 12-month period beginning on August&#160;15 of each of the&#160;years indicated below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:399.11pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percentage</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Principle </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">103.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">101.500<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">2025 and thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">100.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>

          <div style="margin-top:7.2pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:-0.038pt;">The 2026 Notes Indenture contains covenants that limit the Company&#8217;s ability and the ability of the Company&#8217;s restricted subsidiaries to, among other things: (i)&#160;incur or guarantee additional debt; (ii)&#160;incur certain liens; (iii)&#160;make certain investments; (iv)&#160;create restrictions on the payment of dividends or other amounts from the Company&#8217;s restricted subsidiaries that are not guarantors under the 2026 Notes Indenture; (v)&#160;enter into certain transactions with affiliates; (vi)&#160;merge or consolidate with another person, or sell or otherwise dispose of all or substantially all of The Company&#8217;s assets; (vii)&#160;sell certain assets, including capital stock of the Company&#8217;s subsidiaries; (x)&#160;designate the Company&#8217;s subsidiaries as unrestricted subsidiaries; and (xi)&#160;pay dividends, redeem or repurchase capital stock or make other restricted payments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">These notes incurred issuance costs of $6.9&#160;million, including legal expenses and origination fees, which decrease the carry balance of the notes. These expenses were capitalized at the time of issuance and are being amortized over the 5-year life of the bonds. At March&#160;31, 2025, the balance of the capitalized bond issuance costs is $1.8&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On February&#160;28, 2022, the Company amended its Credit Agreement to include a new $150.0&#160;million Canadian sub-facility to go alongside the $35.0&#160;million UK sub-facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On April&#160;26, 2023, the Company amended and extended its Credit Agreement to an aggregate commitment of $600&#160;million with a 5-year maturity of April&#160;26, 2028.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On September&#160;29, 2023, the Company amended its Credit Agreement to an aggregate commitment of $750&#160;million and modified its sub-facility limits to $85&#160;million for the Canadian sub-facility and $50&#160;million for the U.K. sub-facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">On February&#160;2, 2024, the Company completed an offering of $400.0&#160;million aggregate principal amount of 9.500% senior notes due 2029 (the &#8220;2029 Notes&#8221;) under an indenture (the &#8220;2029 Notes Indenture&#8221;), dated as of February&#160;2, 2024, among the Company, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee. The 2029 Notes are general senior unsecured obligations of the Company and are guaranteed by certain of the Company&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2029 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on August&#160;15, 2024. The 2029 Notes mature on February&#160;15, 2029. At any time and from time to time prior to February&#160;15, 2026, the 2029 Notes may be redeemed at the Company&#8217;s option, in whole or in part, at a redemption price equal to 100% of the principal amount of the 2029 Notes redeemed, plus accrued and unpaid interest thereon, if any, to but excluding the applicable date of redemption, subject to the rights of holders of 2029 Notes on the relevant record date to receive interest due on the relevant interest payment date, plus the applicable premium as of the applicable redemption date. On and after February&#160;15, 2026, the 2029 Notes may be redeemed, at the Company&#8217;s option, in whole or in part, at any time and from time to time, at the redemption prices set forth below. The 2029 Notes will be redeemable at the redemption prices (expressed as&#160;percentages of principal amount of the 2029 Notes to be redeemed) set forth below plus accrued and unpaid interest thereon, if any, to but excluding the applicable redemption date, subject to the right of holders of the 2029 Notes on the relevant record date to receive interest due on the relevant interest payment date, if redeemed during the 12-month period beginning on February&#160;15 of each of the&#160;years indicated below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-34</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:399.11pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percentage</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Principle </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">104.750<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2027 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">102.375<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">2028 and thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">100.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The 2029 Notes Indenture contains covenants that limit the Company&#8217;s ability and the ability of the Company&#8217;s restricted subsidiaries to, among other things: (i)&#160;incur or guarantee additional debt; (ii)&#160;incur certain liens; (iii)&#160;make certain investments; (iv)&#160;create restrictions on the payment of dividends or other amounts from the Company&#8217;s restricted subsidiaries that are not guarantors under the 2029 Notes Indenture; (v)&#160;enter into certain transactions with affiliates; (vi)&#160;merge or consolidate with another person, or sell or otherwise dispose of all or substantially all of the Company&#8217;s assets; (vii)&#160;sell certain assets, including capital stock of the Company&#8217;s subsidiaries; (x)&#160;designate the Company&#8217;s subsidiaries as unrestricted subsidiaries; and (xi)&#160;pay dividends, redeem or repurchase capital stock or make other restricted payments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">These notes incurred issuance costs of $6.8&#160;million, including legal expenses and origination fees, which decrease the carry balance of the notes. These expenses were capitalized at the time of issuance and are being amortized over the 5-year life of the bonds. At March&#160;31, 2025, the balance of the capitalized bond issuance costs is $5.3&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On November&#160;13, 2024, the Company amended its Credit Agreement to an aggregate commitment of $825&#160;million through the exercise of its accordion feature and modified its sub-facility limits to $110&#160;million for the Canadian sub-facility and $665&#160;million for the U.S. sub-facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Components of interest expense for the three&#160;months ended March&#160;31, 2025, and 2024 (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:337.77pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Three Months Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:337.77pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:337.77pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">23,699</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">16,271</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:337.77pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortization of note payable origination costs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,120</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">961</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:337.77pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Interest Expense</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.18pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">24,819</td>
            <td style="padding:0pt;padding-left:5.18pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.43pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">17,232</td>
            <td style="padding:0pt;padding-left:7.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>

          <div style="margin-top:7.7pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, the outstanding balances of notes payable were $1,212.0&#160;million with the aggregated average interest rate of 7.75%. In comparison, as of December&#160;31, 2024, the outstanding balances of notes payable were $1,194.7&#160;million with the aggregated average interest rate of 7.79%</font><font style="letter-spacing:-0.361pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company incurred costs related to the issuance and origination of its notes payable which are deferred and recorded net of the debt balance and amortized to interest expense over the life of the debt on an effective interest method. The unamortized debt issuance costs related to the notes payable were $12.3&#160;million and $13.4&#160;million as of March&#160;31, 2025, and December&#160;31, 2024, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Credit agreement contains five financial covenants:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">The Maximum Senior Leverage Ratio to not exceed 2.50 to 1.00</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">The Maximum Leverage Ratio to not exceed 3.25 to 1.00</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">The Minimum Fixed Charge Coverage Ratio of not less than 1.25 to 1.00</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Minimum Tangible Net Worth not to be less than a starting value plus 50% of each subsequent quarter&#8217;s Net Income</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4.2pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Minimum Actual Collections where the Company must collect at least 85% of the projected collections over the trailing twelve-month period</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, the Company was in compliance with all the financial covenants of its notes payable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-35</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">8. Management Long-Term Incentive Plan</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company maintains the JCAP TopCo, LLC 2018 Underlying Units Plan (the &#8220;Plan&#8221;), effective August&#160;31, 2018, to promote the long-term growth and profitability of the Company by providing certain of the Company&#8217;s employees and other service providers who are or will be involved in the Company&#8217;s growth with an opportunity to acquire equity interests that enable them to share in the appreciation of value of the Company, thereby encouraging such persons to contribute to and participate in the success of the Company.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Under the Plan, awards of Class&#160;B Units representing limited liability company interests in JCAP TopCo, LLC, a holding company and direct parent of the Company, are issued to Management Invest LLC, which in turn issues corresponding awards of Class&#160;B Units in Management Invest LLC to certain of the Company&#8217;s employees and other service providers. As of March&#160;31, 2025, there were 27,097,232 Class&#160;B units available for issuance, of which 27,097,232 were issued and outstanding. As of December&#160;31, 2024, there were 26,932,232 Class&#160;B units available for issuance, of which 26,932,232 were issued and outstanding. The Plan&#160;units qualify as liability awards since they will be settled in cash upon redemption and are included in accounts payable and accrued expenses on the consolidated balance sheet. The unit value is calculated based on the estimated fair value of the Company over the original investment amount. thirty&#160;percent (30%) of the&#160;units shall become vested in five equal installments on each of the first five anniversaries of their respective grant dates, and the remaining seventy&#160;percent (70%) shall vest upon a change of control if applicable distribution thresholds are achieved. The Company values its&#160;units awarded under the Plan based on the market approach. The Company utilizes public company comparable information to establish the measure of invested capital (&#8220;MOIC&#8221;), which is then applied against the strike prices of the respective vested portion of the&#160;units awarded under the Plan to calculate the compensation exposure. For the three&#160;months ended March&#160;31, 2025, and 2024, compensation expense recognized was $0.3&#160;million and $1.2&#160;million, respectively. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">9. Commitments and Contingencies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:7pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Purchase Commitments</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In the normal course of business, the Company enters into forward flow purchase agreements. A forward flow purchase agreement is a commitment to purchase receivables over a duration that is typically three to twelve&#160;months, but can be longer, generally with a specifically defined volume range, frequency, and pricing. Typically, these forward flow contracts have provisions that allow for early termination or price re-negotiation should the underlying quality of the portfolio deteriorate over time or if any particular month&#8217;s delivery is materially different than the original portfolio used to price the forward flow contract. Certain of these forward flow purchase agreements may also have termination clauses, whereby the agreements can be canceled by either party upon providing a certain specified amount of notice.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">As of March&#160;31, 2025, and 2024 the Company had entered into forward flow purchase agreements for the purchase of receivables with an estimated minimum aggregate purchase price of approximately $263.6&#160;million and $316.2&#160;million, respectively. The Company expects actual purchases under these forward flow purchase agreements to be significantly greater than the estimated minimum aggregate purchase price.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Employee Savings and Retirement Plan</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company sponsors defined contribution plans in the U.S., Canada, and the U.K. The U.S. plan is organized as a 401(k) plan under which all employees are eligible to make voluntary contributions to the plan up to 100% of their compensation, subject to IRS limitations, as defined in the plan. The Company makes matching contributions of 25% of up to 6% of an employee&#8217;s salary. In Canada, the Company has a Deferred Profit-Sharing Plan (DPSP) in which the Company contributes 3% of salary to their DPSP fund. Employees contributing to the Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA) receive up to a 2% match, bringing the potential total match to 5% of salary. In the U.K., the Company operates the government contribution plan where employees contribute 5% of their salary and the Company contributes 3% of the employee salary on a monthly basis. Employees can make additional contributions to the plan via their salary, either by one off extra contribution or increasing the monthly&#160;percentage but must contribute a minimum of 5%. Total compensation expense related to the Company&#8217;s contributions was $0.2&#160;million and $0.2&#160;million for the three&#160;months ended March&#160;31, 2025, and 2024, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Commitments to extend credit</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company, in the normal course of business through its credit card programs, has the obligation to purchase the credit card receivables from the issuing bank, thereby incurring off-balance-sheet risk. This risk </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-36</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">includes the cardholder&#8217;s rights to borrow up to the maximum credit limit on their credit card accounts, which is $16.0&#160;million as of March&#160;31, 2025, and $15.8&#160;million as of December&#160;31, 2024, beyond their current balances. The Company has not experienced a situation in which all of the Company&#8217;s cardholders have exercised their entire available line of credit at any given point in time, nor does management anticipate this will ever occur in the future. Also, the Company can, subject to certain regulatory requirements, reduce or cancel these available credit limits.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Contingent payments</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">As part of the Company&#8217;s acquisition of Canaccede Financial Group, Ltd. &#8220;(Canaccede&#8221;) in March&#160;2020, an exit incentive was awarded to the former shareholders of Canaccede for up to $C 15.625&#160;million that would be payable only on a Liquidity Event for J.C. Flowers (&#8220;JCF&#8221;), defined to mean a final exit, that yielded net returns to JCF in excess of a certain hurdles as defined in the purchase agreement. The payment, which is contingent on a Liquidity Event and achieving certain hurdles, would be based on cash-on-cash returns to JCF, measured at that final exit, as an equity-linked incentive with capped upside and designed to be paid with sale proceeds received from a new owner. Each year the Company reassesses the fair value of the exit incentive payment to determine whether such amount should be recorded within the consolidated financial statements. As of December&#160;31, 2024, Jefferson Capital determined that the occurrence in the future of a Liquidity Event above the requisite MOIC thresholds will be probable by December&#160;31, 2027. As a result, the Company accrued a liability related to the Canaccede Exit Incentive Payment of $8.0 and $7.7&#160;million as of March&#160;31, 2025, and December&#160;31, 2024, respectively, reflecting the net present value of an anticipated payment of the maximum amount. This has been recorded as expense on the income statement in other selling, general and administrative with the offset being a liability on the balance sheet in accounts payable and accrued expenses </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Litigation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company and its subsidiaries are subject to various legal proceedings and claims that arise in the ordinary course of business. For the three&#160;months ended March&#160;31, 2025 and 2024, there are no material pending legal proceedings to which the Company or its subsidiaries are a party.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">9. Income taxes</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company and all of the Company&#8217;s domestic subsidiaries are LLCs and are disregarded for United States federal and state income tax purposes. As such, the Company&#8217;s income is taxable to its members and generally not subject to United States federal and state income taxes at the company level. However, certain of the Company&#8217;s foreign subsidiaries are required to pay income taxes. Provision for income tax expense was $2.8&#8199;million for the three&#160;months ended March&#160;31, 2025, an increase&#8199;of $0.9&#8199;million, or&#8199;47.4%, compared to $1.9&#160;million for the three&#160;months ended March&#160;31, 2024. The increase is driven by increased taxable income in our foreign entities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Income before taxes consisted of the following (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:337.77pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Three Months Ended </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">March&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:337.77pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:337.77pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">48,535</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">24,337</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:337.77pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Foreign </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">18,371</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">10,500</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:337.77pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Income Before Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">66,906</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">34,837</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 3pt 0pt; width:337.77pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">2,679</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,939</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:2.25pt 0pt 12pt 0pt; width:337.77pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Effective Tax Rate </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:26.25pt; text-align:right; white-space:nowrap;">4.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:26.25pt; text-align:right; white-space:nowrap;">5.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.695pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.4pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">10. Related Party Transactions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">During the three&#160;months ended March&#160;31, 2025, and 2024, the Company distributed $16.0&#160;million and $0.0&#160;million, respectively, to its owners. In addition, the Company paid to unitholders, a $16.0&#160;million distribution on May&#160;9, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In February&#160;2023, Jefferson Capital Systems, LLC, one of the Company&#8217;s wholly owned indirect subsidiaries, entered into a participation agreement (the &#8220;Participation Agreement&#8221;) with HH Warehouse LLC (&#8220;HH </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-37</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Warehouse&#8221;), pursuant to which Jefferson Capital Systems, LLC sold a 26.75% beneficial ownership interest (the &#8220;Portfolio Interest&#8221;) in a portfolio of performing installment loans (the &#8220;Portfolio&#8221;) to HH Warehouse for $2.9&#160;million and agreed to administer the Portfolio and pay HH Warehouse a share of the collections proportionate to the size of the Portfolio Interest. In July&#160;2024, Jefferson Capital Systems, LLC entered into an amendment to the Participation Agreement with HH Warehouse, pursuant to which Jefferson Capital Systems, LLC repurchased the Portfolio Interest from HH Warehouse for $1.4&#160;million and assumed all rights and obligations related to the Portfolio Interest. Christopher Giles, a member of the Company&#8217;s board of directors, served as Vice President of HH Warehouse and held 12.86% of the membership interests in HH Warehouse at the time of such transactions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Bryan Szemenyei, President of Canaccede, one of the Company&#8217;s wholly owned indirect subsidiaries, is the son of Andrew Szemenyei, a member of the Company&#8217;s board of directors, and has been employed by such subsidiary since the Company&#8217;s acquisition of Canaccede in March&#160;2020.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">11. Segment Reporting</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company&#8217;s operating segments are based on the Company&#8217;s geographies, which is how management monitors and assesses performance. The Company&#8217;s geographies are the United States, the United Kingdom, Canada, and Latin America. The Company&#8217;s Chief Operating Decision Maker (&#8220;CODM&#8221;) is the Chief Executive Officer. Assets are not reported by operating segment to the CODM.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">For the Company&#8217;s operating segments, the CODM uses net operating income to allocate resources (including employees, property, and financial or capital resources). Additionally, the Company prepares an annual budget at the segment level. The CODM considers budget-to-actual variances on a monthly basis for the profit or loss measure when making decisions about allocating capital and personnel to the segments. The CODM also uses segment operating income to assess the performance for each segment by comparing the results of each segment with one another and for determining the compensation of certain employees.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The table, on the following page, provides segment measure of profit and loss, presenting Net operating income, by each operating segment (in thousands) and is the measure that the CODM utilizes to determine resource and investment allocations:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:205.01pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;text-align:center;" colspan="28">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Three Months Ended March&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">111,747</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">4,485</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">16,110</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">9,972</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">142,314</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">664</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,234</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">1,898</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2pt 0pt 1.25pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">4,538</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">5,866</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">327</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">10,731</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1.75pt 0pt 1.25pt 0pt; width:205.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Revenue</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">116,949</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,351</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">17,671</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">9,972</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">154,943</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Provision for credit losses</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">332</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">210</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">8,917</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,680</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,312</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">113</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">33,451</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,977</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,332</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">3,031</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">1,259</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">83</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">257</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">1,632</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">224</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">91</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">218</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2pt 0pt 1.25pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">3,559</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">592</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">328</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">70</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.75pt 0pt 1.25pt 0pt; width:205.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Net Operating Income</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">67,799</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,795</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">13,141</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">6,531</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">89,266</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Other Income / (Expense):</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest Expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(24,819<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.333pt 0pt 0.5pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income </font>
                <br >
                <font style="letter-spacing:-0.038pt;">(expense) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.333pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.333pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">2,459</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2pt 0pt 1.25pt 0pt; width:205.01pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total Other Income / (Expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(22,360<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 2pt 0pt; width:205.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Income Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">66,906</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9.5pt;line-height:9.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-38</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:191pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:213.46pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 0.167pt 0pt; width:0pt;text-align:center;" colspan="28">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Three Months Ended March&#160;31, </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0.083pt 0pt 0.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">65,894</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,802</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">11,803</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">6,823</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">91,322</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">785</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,437</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,222</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2pt 0pt 1.25pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">860</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">5,494</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">58</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">6,412</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1.75pt 0pt 1.25pt 0pt; width:213.46pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Revenue</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">67,539</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">12,296</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">13,298</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">6,823</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.190000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">99,956</td>
            <td style="padding:0pt;padding-left:0.190000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Provision for credit losses</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">474</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">313</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,354</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,301</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,355</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">97</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">24,801</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,811</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,111</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,094</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">167</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">78</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">320</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,325</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">254</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">113</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">220</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2pt 0pt 1.25pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">842</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">588</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">312</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">92</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.75pt 0pt 1.25pt 0pt; width:213.46pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Net Operating Income</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">33,576</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">5,264</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">8,774</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">4,314</td>
            <td style="padding:0pt;padding-left:-0.170000000000002pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.190000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">51,928</td>
            <td style="padding:0pt;padding-left:0.190000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.75pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Other Income / (Expense):</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2pt 0pt 0.5pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest Expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(17,232<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="border-bottom:1px solid #FFFFFF;padding:2pt 0pt 1.25pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
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            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">141</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
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            <td style="border-bottom:1px solid #CCEEFF;padding:1.75pt 0pt 1.25pt 0pt; width:213.46pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total Other Income / (Expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
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            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(17,091<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
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            <td style="padding:1.75pt 0pt 2pt 0pt; width:213.46pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Income Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.190000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:1.75pt 0pt 1.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">34,837</td>
            <td style="padding:0pt;padding-left:0.190000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:11.5pt; margin-top:11.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">14.</font>
          <br >
        </div>
        <div style=" margin-top:11.5pt; margin-bottom:0pt; line-height:11.5pt; text-align:left; margin-left:20pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Subsequent Events</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company evaluates material events or transactions that occur after the consolidated balance sheet date through May 21, 2025, the date the consolidated financial statements are issued or available to be issued to determine whether any such events or transactions should be recognized or disclosed.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On April 29, 2025, the Company repurchased units from one of its unitholders for an aggregate of $1.2 million, in connection with the resignation of Andrew Szemenyiei from the board of directors.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On May&#160;2, 2025, the Company issued $500&#160;million aggregate principal amount of 8.250% Senior Notes due 2030 in a private offering. The Company used a majority of the proceeds, net of fees, to pay down the outstanding balance under the Credit Facility, with all excess being used for general corporate purposes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On May&#160;9, 2025, the Company paid a $16&#160;million distribution to its shareholders.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">There are no other events to disclose.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-39</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fROIA">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:122pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">To the Members and the Board of Directors of Jefferson Capital Holdings, LLC</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Opinion on the Financial Statements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have audited the accompanying consolidated balance sheet of Jefferson Capital Holdings, LLC and subsidiaries (the &#8220;Company&#8221;) as of December&#160;31, 2024, and 2023, and the related consolidated statements of operations and comprehensive income, member&#8217;s equity and cash flows for each of the two years in the period ended December&#160;31, 2024, and the related notes (collectively referred to as the &#8220;financial statements&#8221;). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December&#160;31, 2024, and 2023, and the results of its operations and its cash flows for each of the two years in the period ended December&#160;31, 2024, in conformity with accounting principles generally accepted in the United States of America.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Basis for Opinion</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">These financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on the Company&#8217;s financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We conducted our audits in accordance with the standards of the PCAOB and in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audits, we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Company&#8217;s internal control over financial reporting. Accordingly, we express no such opinion. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">/s/ Deloitte &amp; Touche LLP</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">New York, New York </font> <br ><font style="letter-spacing:-0.038pt;">May&#160;5, 2025</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font></div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have served as the Company&#8217;s auditor since 2022.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-40</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCBSD">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:215pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Consolidated Balance Sheets </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:332.27pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:332.27pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">35,506</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">14,371</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Restricted cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,737</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">6,233</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,497,748</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">984,496</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.333pt 0pt 0.667pt 0pt; width:332.27pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card receivables (net of allowance for credit losses of $1,907 and </font><font style="letter-spacing:-0.361pt;">$2,213) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">17,176</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 0.667pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">20,034</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">33,196</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">26,543</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Other intangible assets, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">10,237</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">6,519</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Goodwill </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">57,683</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">57,170</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Assets</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,654,283</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,115,366</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">77,028</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">40,851</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Notes payable, net </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,194,726</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">770,926</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:0.475pt;">Total Liabilities</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,271,754</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">811,777</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Commitments and contingencies (note 8) </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Member&#8217;s Equity</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Contribution by member </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">28,797</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Retained earnings </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">398,122</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">276,434</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:332.27pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Accumulated other comprehensive income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(15,593<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(1,642<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:332.27pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total Jefferson Capital Holdings, LLC member&#8217;s equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">382,529</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">303,589</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:332.27pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total Equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">382,529</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">303,589</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:332.27pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total Liabilities and Member&#8217;s Equity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,654,283</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,115,366</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the consolidated financial statements.</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-41</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCSOO">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:115.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Consolidated Statements of Operations and Comprehensive Income </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:348.89pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:348.89pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Revenues</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">396,304</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">306,529</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in recoveries </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(419<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(12,955<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">395,885</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">293,574</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">8,338</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">8,820</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">29,118</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">20,678</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:19pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Total Revenues</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">433,341</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">323,072</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">3,497</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,524</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Operating Expenses</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">48,112</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">36,527</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">130,889</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">101,696</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,608</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,372</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">11,396</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,833</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">7,738</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">8,834</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">8,069</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Total Operating Expenses</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">209,577</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">155,497</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:19pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Net Operating Income</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">220,267</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">164,051</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Other Income (Expense)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest Expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(77,239<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(48,108<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(5,474<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">4,641</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total Other Income (Expense) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(82,713<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(43,467<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:348.89pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Income Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">137,554</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">120,584</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision for Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(8,663<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(9,045<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Net Income</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">128,891</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">111,539</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income attributable to noncontrolling interest </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(20<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:348.89pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Net Income attributable to Jefferson Capital Holdings, LLC</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">128,891</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">111,519</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.25pt 0pt 2.25pt 0pt; width:348.89pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(13,951<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">8,261</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:348.89pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Comprehensive Income</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">114,940</div>
            </td>
            <td style="padding:0pt;padding-left:-4.955pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">119,780</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the consolidated financial statements.</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-42</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCSOM">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:366.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Consolidated Statements of Member&#8217;s Equity </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:153.99pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Contributions</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">By Member </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Accumulated</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Other</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Comprehensive</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Income (Loss) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Retained</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Earnings </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Non-</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Controlling</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Interest </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:153.99pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, December&#160;31, 2022</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.64pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">59,361</td>
            <td style="padding:0pt;padding-left:6.64pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(9,903<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">164,915</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">394</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">214,767</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:153.99pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Distributions to member </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(30,564<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(30,564<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:153.99pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">111,519</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">20</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">111,539</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:153.99pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">8,261</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">9</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">8,270</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:153.99pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">(423<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(423<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:153.99pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.64pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">28,797</td>
            <td style="padding:0pt;padding-left:6.64pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">(1,642<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">276,434</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">303,589</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:153.99pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Distributions to member </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(28,797<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(7,203<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(36,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:153.99pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:28.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">128,891</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">128,891</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:153.99pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.71pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(13,951<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.27pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.74pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(13,951<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:153.99pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.64pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.64pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:28.5pt; text-align:right; white-space:nowrap;">(15,593<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:7.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">398,122</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:8.04pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">382,529</td>
            <td style="padding:0pt;padding-left:-1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the consolidated financial statements.</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-43</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="fCSOC">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">Consolidated Statements of Cash Flows</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2.5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(Dollars in Thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:337.81pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.067pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:337.81pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.15pt 0pt 1.9pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.15pt 0pt 1.9pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.15pt 0pt 0.9pt 0pt; width:337.81pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flows from operating activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.39pt 0pt 0.91pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">128,891</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">111,539</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.3pt 0pt 0.5pt 0pt; width:337.81pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities: </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.39pt 0pt 0.91pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization of property and equipment </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,325</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,456</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.39pt 0pt 0.91pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">5,536</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">3,827</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.39pt 0pt 0.91pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Provision for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">3,497</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">3,524</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.39pt 0pt 0.91pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Change-in value from Canaccede exit consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">7,738</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.39pt 0pt 0.91pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.38pt 0pt 0.92pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Changes in assets and liabilities, net of acquisition: </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.38pt 0pt 0.92pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(7,761<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(8,369<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.38pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:28.5pt;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.38pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.38pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">28,983</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.38pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.38pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">8,242</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.13pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by operating activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.13pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.13pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">168,209</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.13pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.13pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">120,219</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.13pt 0pt 0.92pt 0pt; width:337.81pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flows from investing activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.38pt 0pt 0.92pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases of receivables </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(723,253<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.38pt 0pt 0.92pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(530,873<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.37pt 0pt 0.93pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases of credit card receivables </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(30,750<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(35,434<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.37pt 0pt 0.93pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Collections applied to investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">188,675</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">137,400</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.37pt 0pt 0.93pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Collections applied to credit card receivables </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">29,174</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">32,319</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.37pt 0pt 0.93pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Acquisition, net of cash acquired </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8212;</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(5,596<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.37pt 0pt 0.93pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Payments for intangible assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(5,272<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 0.93pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.37pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases of property and equipment </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.37pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(939<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(1,227<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.11pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash used in investing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.11pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.11pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(542,365<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.11pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.11pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(403,411<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.11pt 0pt 0.94pt 0pt; width:337.81pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Cash flow from financing activities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.36pt 0pt 0.94pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Proceeds from lines of credit </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,082,484</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">654,734</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.36pt 0pt 0.94pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Payments on lines of credit </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(650,398<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(328,413<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.36pt 0pt 0.94pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Debt issuance costs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(7,266<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.36pt 0pt 0.94pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(5,898<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.36pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Distributions to member </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.36pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.36pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">(36,000<font style="position:absolute;">)</font></div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.36pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.36pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(30,564<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.1pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:38pt;">
                <font style="letter-spacing:-0.038pt;">Net cash provided by financing activities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">388,820</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">289,859</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.1pt 0pt 0.95pt 0pt; width:337.81pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Exchange rate effects on cash balances held in foreign currencies </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.1pt 0pt 0.95pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.1pt 0pt 0.95pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,975</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.1pt 0pt 0.95pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.1pt 0pt 0.95pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(1,220<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.35pt 0pt 0.95pt 0pt; width:337.81pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Net (decrease) increase in cash and cash equivalents and restricted cash </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 0.95pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.35pt 0pt 0.95pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">17,639</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 0.95pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.35pt 0pt 0.95pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">5,447</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.35pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, beginning of period </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.35pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">20,604</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">15,157</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.1pt 0pt 2.4pt 0pt; width:337.81pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents and restricted cash, end of period </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">38,243</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.1pt 0pt 1.65pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">20,604</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:1.6pt 0pt 0.95pt 0pt; width:337.81pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Supplemental Cash Flow Disclosures </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.34pt 0pt 0.96pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">58,125</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">45,111</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.34pt 0pt 0.96pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Income taxes paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">8,671</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">9,045</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.34pt 0pt 0.96pt 0pt; width:337.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">New leases assumed </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">1,808</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">2,407</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0.3pt 0pt 0.5pt 0pt; width:337.81pt;white-space:normal;text-align:left;">
              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">The following table provides a reconciliation of cash and cash equivalents and restricted cash and cash equivalents reported within the accompanying consolidated balance sheets that sum to the total of the same such amounts shown in the consolidated statements of cash flows: </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.3pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.34pt 0pt 0.96pt 0pt; width:337.81pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">35,506</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.34pt 0pt 0.96pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">14,371</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.34pt 0pt 1.65pt 0pt; width:337.81pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Restricted cash </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.34pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">&#8203;</div>
            </td>
            <td style="padding:2.34pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">2,737</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.34pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.34pt 0pt 1.65pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">6,233</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
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              <div style="margin-left:9.5pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total cash and cash equivalents and restricted cash as shown in the consolidated </font>
                <br >
                <font style="letter-spacing:-0.038pt;">statements of cash flows </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">$</div>
            </td>
            <td style="padding:0.413pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">
              <div style="font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">38,243</div>
            </td>
            <td style="padding:0pt;padding-left:-4.37pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0.413pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:0.413pt 0pt 0.167pt 0pt;border-bottom:3pt double #000000; min-width:33pt; text-align:right; white-space:nowrap;">20,604</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">See accompanying notes to the consolidated financial statements.</font>
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          <font style="letter-spacing:-0.342pt;">F-44</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="f1DOB">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.5pt;">1. Organization, Description of Business and Summary of Significant Accounting Policies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:6pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The accompanying consolidated financial statements include the consolidated results of operations of Jefferson Capital Holdings, LLC and subsidiaries (the &#8220;Company&#8221;). The Company indirectly owns 100% of the outstanding interests of CL Holdings, LLC and Canastream Holdings Ltd. CL Holdings, LLC&#8217;s primary operating subsidiaries include Jefferson Capital Systems, LLC and FMT Services, LLC in the United States (&#8220;U.S.&#8221;), and JC International Acquisition, LLC, Creditlink Account Recovery Solutions, LTD, Resolvecall Ltd., and Moriarty Law Limited in the United Kingdom (&#8220;U.K.&#8221;). Canastream Holdings Ltd.&#8217;s primary operating subsidiaries include Canaccede Financial Group Ltd. and Fidem Finance Inc. in Canada. J.C. Flowers (&#8220;JCF&#8221;) and its affiliated funds directly or indirectly own greater than 95% of Jefferson Capital Holdings, LLC, with the former shareholders of Canaccede and current management owning the remainder.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company and its subsidiaries in the U.S., Canada, and the U.K. provide debt recovery solutions and other related services across a broad range of consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom and other receivables. The Company primarily purchases portfolios of consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Previously charged-off receivables include receivables subject to bankruptcy proceedings. The Company also provides debt servicing and other portfolio management services to credit originators for non-performing loans. Through credit card acquisition programs, the Company earns credit card revenue. All deployments are purchased from independent third parties.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company purchases portfolios of receivables from a diverse client base, including Fortune 500 creditors, banks, fintech origination platforms, telecommunications providers, credit card issuers, and auto finance companies. The Company&#8217;s top five clients accounted for 55.2% and 35.3%, with the top client representing 32.8% and 10.0% of purchases for the&#160;years ended December&#160;31, 2024 and 2023, respectively. For credit card receivables, the Company purchases from two issuers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Principles of Consolidation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The consolidated financial statements reflect the accounts and operations of the Company, those of its subsidiaries in which the Company has a controlling financial interest, and certain variable interest entities (&#8220;VIEs&#8221;) where the Company is the primary beneficiary. The Company is deemed to be the primary beneficiary of a VIE when it has both (1)&#160;the power to direct the activities of the VIE that most significantly impact the entity&#8217;s economic performance and (2)&#160;exposure to benefits and/or losses that could potentially be significant to the entity. Assets and liabilities of VIEs and their respective results of operations are consolidated from the date that the Company became the primary beneficiary through the date that the Company ceases to be the primary beneficiary. As of December&#160;31, 2024 and 2023, the Company did not have any VIEs.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">All intercompany transactions and balances have been eliminated in consolidation.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Translation of Foreign Currencies</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Foreign currency translation adjustments result from the process of translating financial statements from the Company&#8217;s foreign subsidiaries&#8217; functional currency, mainly the Canadian dollar for the Company&#8217;s Canadian business and British Pound for the Company&#8217;s United Kingdom businesses, into the Company&#8217;s reporting currency, the U.S. dollar. Translation adjustments are reported as a component of other comprehensive income. Revenues and expenses are translated monthly utilizing average exchange rates and assets and liabilities are translated as of the balance sheet date utilizing the period end exchange rate.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The consolidated financial statements of certain of the Company&#8217;s foreign subsidiaries are measured using their local currency as the functional currency. Assets and liabilities of foreign operations are translated into U.S. dollars using period-end exchange rates, and revenues and expenses are translated into U.S. dollars using average exchange rates in effect during each period. The resulting translation adjustments are recorded as a component of other comprehensive income or loss. Equity accounts are translated at historical rates, except for the change in retained earnings during the year which is the result of the income statement translation process. Intercompany transaction gains or losses at each period end arising from subsequent measurement of balances for which settlement is not planned or anticipated in the foreseeable future are included as translation adjustments and recorded within other comprehensive income or loss. Translation gains or losses are the material components of accumulated other comprehensive income or loss.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">F-45</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
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        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Use of Estimates</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America (&#8220;GAAP&#8221;), and these principles require making estimates and assumptions affecting the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. These estimates are based on information available as of the date of the consolidated financial statements. The actual results could differ materially from these estimates. Significant estimates include the determination of recovery income associated with the investment in charged off receivables. The recognition of total portfolio revenue is primarily calculated using ASC 326&#160;&#8211; Financial Instruments&#8201;&#8211;&#8201;Credit Losses, which is commonly referred to as the Current Expected Credit Loss or &#8220;CECL,&#8221; which is based on future collections and is subject to changes in estimates. Additionally, estimates of future credit losses on credit card receivables have a significant effect on the provision for loan losses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Cash and Cash Equivalents</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Cash and cash equivalents consist of cash held in various bank deposit accounts. The Company considers all highly liquid cash investments with low interest rate risk and original maturities of three&#160;months or less to be cash equivalents. At times, cash balances may exceed the amounts insured by the respective national government. The Company monitors its banking relationships and has not experienced any losses in such accounts and management believes that the Company is not exposed to any significant credit risk with respect to its cash and cash equivalents. Restricted cash reflects collections whereby the Company is a third-party servicer, required deposits maintained with the Company&#8217;s banking partners related to the Company&#8217;s credit card program, and U.K restricted deposits. Cash and cash equivalents are carried at cost, which approximates fair value.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Investments in Receivables</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company typically purchases receivable portfolios that are either significantly delinquent or have been previously charged off by the seller. These financial assets have experienced more-than-insignificant deterioration in credit quality, and as such meet the definition of Purchased Credit Deteriorated or &#8220;PCD&#8221; under CECL. Under PCD accounting, the portfolios are initially recognized at amortized cost by adding the acquisition date estimate of expected credit losses to the asset&#8217;s purchase price with no provision expense recorded at acquisition date. Receivable portfolio purchases are then aggregated into pools based on similar risk characteristics. Examples of risk characteristics include financial asset type, collateral type, size, interest rate, date of origination, term, and geographic location. The Company&#8217;s static pools are typically grouped into credit card, purchased consumer bankruptcy, and mortgage portfolios. The Company further groups these static pools by geographic location. Once a pool is established, and aggregated based on similar risk characteristics, the portfolios will remain in the designated pool unless the underlying risk characteristics change. The purchase Effective Interest Rate (&#8220;EIR&#8221;) of a pool will not change over the life of the pool even if expected future cash flows change.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Revenue is recognized for each static pool over the economic life of the pool. Debt purchasing revenue includes two components:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">1.</font>
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          <font style="letter-spacing:-0.038pt;">Total portfolio income, which includes the accretion of the discount on the negative allowance due to the passage of time (generally the portfolio balance multiplied by the EIR), all revenue from zero basis portfolio collections, as well as interest and fees recognized on performing receivable portfolios, and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">2.</font>
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          <font style="letter-spacing:-0.038pt;">Changes in recoveries, which include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">a.</font>
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          <font style="letter-spacing:-0.038pt;">Recoveries above or below forecast, which is the difference between (i)&#160;actual cash collected/ recovered during the current period and (ii)&#160;expected cash recoveries for the current period, which generally represents over or under performance for the period; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">b.</font>
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          <font style="letter-spacing:-0.038pt;">Changes in expected future recoveries, which is the present value change of expected future recoveries, where such change generally results from (i)&#160;timing of collections (amounts either expected to be collected early or later) and (ii)&#160;changes to the total amount of expected future collections (which can be increases or decreases).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">F-46</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
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        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company measures expected future recoveries based on historical experience, current conditions, and reasonable and supportable forecasts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;">Write Off and Negative Allowance for Expected Recoveries</font><font style="letter-spacing:-0.038pt;">:&nbsp;&nbsp;&nbsp;At purchase, the Company deems these portfolios to be uncollectible due to being significantly delinquent and previously being charged off by the seller prior to purchase. In accordance with its write-off policy, the Company immediately writes off the amortized cost of the purchased portfolios at acquisition. Subsequent to write-off, the Company establishes a negative allowance for expected recoveries equal to the amount the Company expects to collect over the life of the receivable portfolio. The negative allowance will not exceed the amortized cost basis of the purchased portfolios prior to charge off.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;">Pooling:&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:-0.038pt;">The Company aggregates purchases of receivables into pools based on risk characteristics, primarily financial asset type and expected credit loss pattern. Once a pool is established, the composition of the pool will not change unless there is a change in the underlying risk characteristics of the individual loans.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Methodology</font><font style="letter-spacing:-0.038pt;">:&nbsp;&nbsp;&nbsp;The negative allowance is calculated at a pool level and represents the amount of future expected recoveries discounted to present value. The discount rate used in the calculation is the effective interest rate that equates the purchase price of the portfolio and the expected future cash flows at the purchase date. An annual pool is created throughout the year as the Company purchases portfolios. The Company pools accounts with similar risk characteristics that are acquired in the same year. A blended effective interest rate will adjust to reflect new acquisitions and new cash flow estimates until the end of the year. The effective interest rate for a pool is fixed for the remaining life of the pool once the year has ended. Thus, the effective interest rate will not change after the year has ended even if expected cash flows change for the pool.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="font-style:italic;">Income Recognition</font><font style="letter-spacing:-0.038pt;">:&nbsp;&nbsp;&nbsp;Under ASC 326, revenue related to investments in receivables is recognized for accretion/amortization due to the passage of time, changes in current period expected recoveries due to variances between actual and expected collections, and changes in future expected recoveries, discounted to present value. Discount accretion due to the passage of time based on the established pool effective interest rate (&#8220;EIR&#8221;) is shown in &#8220;Total portfolio income&#8221; of the consolidated statement of operations. Changes in current period expected recoveries due to variances between actual and expected collections and changes in future expected recoveries, discounted to present value, are shown in &#8220;Changes in recoveries&#8221; of the consolidated statement of operations. Additionally, the Company recognized performing loans carried at amortized cost and include accrued interest receivable, deferred fees, and costs. These loans are shown in &#8220;Total portfolio income&#8221; on the consolidated statement of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Credit Card Receivables</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company&#8217;s Credit Card Receivables consist primarily of credit card receivables held for investment. Loans are carried at amortized cost and include accrued interest receivable, deferred fees, and costs. Upfront fees and costs are expensed as incurred. Interest income is recognized on loans and fees receivable using the contractual interest rate. The Company considers loans to be past due when they are 90&#160;days or more past due, at which time the Company places the loans on nonaccrual status. It is the Company&#8217;s policy to write off loans when they are 180&#160;days past due, or sooner if facts and circumstances indicate earlier non-collectability. </font>
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          <font style="letter-spacing:0.475pt;">Allowance for Credit Losses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company provides an allowance for credit losses on loans and fees receivable. Judgement is required to assess the estimate of current expected credit losses. Management continuously evaluates its estimate for determining the most appropriate allowance for credit losses. The allowance for credit losses on loans and fees receivable is computed at the pool level using a roll-rate methodology. Management considers several factors in the measurement of the allowance, including historical loss rates, current delinquency and roll-rate trends, the effects of changes in the economy, changes in underwriting criteria, and estimated recoveries. The estimated allowance consists of both qualitative and quantitative adjustments. A reasonable and supportable forecast is considered as part of the qualitative adjustment, as permitted by the standard. The allowance is estimated based on amortized cost basis of the loan including principal, accrued interest receivable, deferred fees, and costs. The Company places receivables on non-accrual at 90&#160;days past due and writes off the accrued interest at 180&#160;days past due. Expected recoveries are included in the measurement of the allowance for credit losses.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.342pt;">F-47</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.625pt;">&#160;</font>
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          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
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        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company does not record an allowance related to unfunded commitments as these agreements are unconditionally cancelable by the Company.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Other Intangible Assets</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The determination of the recorded value of intangible assets acquired in a business combination requires management to make estimates and assumptions that affect the Company&#8217;s consolidated financial statements. Valuation techniques consistent with the market approach, income approach and/or cost approach are used to measure fair value. An estimate of fair value can be affected by many assumptions that require significant judgment. The Company amortizes identifiable intangible assets with finite lives over their useful lives. The Company evaluates these assets for impairment similar to long lived assets as outlined below in &#8220;Fixed Asset Impairment.&#8221;</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Goodwill</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Goodwill is calculated as the excess of the cost of purchased businesses over the fair value of their underlying net assets. Goodwill is allocated and evaluated at the reporting unit level, which are the Company&#8217;s operating segments. The Company allocates goodwill to one or more reporting&#160;units that are expected to benefit from synergies of the business combination.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Goodwill is not amortized but is evaluated for impairment annually as of June&#160;30th or whenever events or changes in circumstances indicate that its carrying amount may not be recoverable. When testing goodwill for impairment, the Company has the option of first performing a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as the basis to determine if it is necessary to perform a quantitative goodwill impairment test. In performing its qualitative assessment, the Company considers the extent to which unfavorable events or circumstances identified, such as changes in economic conditions, industry and market conditions or company specific events, could affect the comparison of the reporting unit&#8217;s fair value with its carrying amount. If the Company concludes that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, the Company is required to perform a quantitative impairment test.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Quantitative impairment testing for goodwill is based upon the fair value of a reporting unit as compared to its carrying value. The Company makes certain judgments and assumptions in allocating assets and liabilities to determine carrying values for its reporting&#160;units. To determine fair value of the reporting unit, the Company uses the income approach. Under the income approach, fair value is determined using a discounted cash flow method, projecting future cash flows of each reporting unit, as well as a terminal value, and discounting such cash flows at a rate of return that reflects the relative risk of the cash flows. The impairment loss recognized would be the difference between a reporting unit&#8217;s carrying value and fair value in an amount not to exceed the carrying value of the reporting unit&#8217;s goodwill.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Prepaid Expenses and Other Assets</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets consist of property and equipment, deposits the Company is required to maintain with third parties (other than restricted cash), prepaid obligations such as rent and postage, receivables due from third parties and other assets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Property and equipment are depreciated and amortized using the straight-line method over the estimated useful lives of the assets, which are approximately 3&#160;years for software, 5&#160;years for equipment, 5 to 10&#160;years for furniture and fixtures, and 5 to 6&#160;years for leasehold improvements. Management periodically reviews these assets to determine if any impairment exists whenever events or changes in circumstances indicate that the carrying amount may not be recoverable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Fixed Asset Impairment</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Long-lived assets or asset groups are tested for impairment whenever events or circumstances indicate that the carrying amount of the asset or asset group may not be recoverable. The Company groups its long-lived assets classified as held and used at the lowest level for which identifiable cash flows are largely independent of the cash flows from other assets and liabilities for purposes of testing for impairment.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">The Company monitors the operating and cash flow results of its long-lived assets or asset groups classified as held and used to identify whether events and circumstances indicate the remaining useful lives of those </font>
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          <font style="letter-spacing:-0.342pt;">F-48</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
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        <div style="margin-top:12.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">assets should be adjusted or if the carrying value of those assets or asset groups may not be recoverable. Undiscounted estimated future cash flows are compared with the carrying value of the long-lived asset or asset group in the event indicators of impairment are identified. If the undiscounted estimated future cash flows are less than the carrying amount, the Company determines the fair value of the asset or asset group and records an impairment charge in current earnings to the extent carrying value exceeds fair value. Fair values may be determined based on estimated discounted cash flows by prices for like or similar assets in similar markets or a combination of both. There were no such impairments for the&#160;years ended December&#160;31, 2024, or 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Depreciation expense was $1.3 and $1.5&#160;million for the&#160;years ended December&#160;31, 2024 and 2023, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Revenue Recognition</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company&#8217;s revenues primarily include Revenues from receivable portfolios associated with Investments in receivables, which is revenue recognized from engaging in debt purchasing and recovery activities. The Company fully writes off the amortized costs (i.e., face value net of noncredit discount) of the individual receivables it acquires immediately after purchasing the portfolio. The Company then records a negative allowance that represents the present value of all expected future recoveries for pools of receivables that share similar risk characteristics using a discounted cash flow approach, which is presented as &#8220;Investment in receivable portfolios, net&#8221; in the Company&#8217;s consolidated balance sheet. The discount rate is an EIR established based on the purchase price of the portfolio and the expected future cash flows at the time of purchase. Additionally, in recent periods the Company has purchased performing receivable portfolios and continues to do so at a deep discount. The credit quality of these portfolios continues to meet the definition of PCD.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Debt purchasing revenue includes two components:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">(1)</font>
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          <font style="letter-spacing:-0.038pt;">Total portfolio income, which includes the accretion of the discount on the negative allowance due to the passage of time (generally the portfolio balance multiplied by the EIR), all revenue from zero basis portfolio collections, as well as interest and fees recognized on performing receivable portfolios, and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.361pt;">(2)</font>
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          <font style="letter-spacing:-0.038pt;">Changes in recoveries, which include:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">a.</font>
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          <font style="letter-spacing:-0.038pt;">Recoveries above or below forecast, which is the difference between (i)&#160;actual cash collected/ recovered during the current period and (ii)&#160;expected cash recoveries for the current period, which generally represents over or under performance for the period; and</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.038pt;">b.</font>
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          <font style="letter-spacing:-0.038pt;">Changes in expected future recoveries, which is the present value change of expected future recoveries, where such change generally results from (i)&#160;timing of collections (amounts either expected to be collected early or later) and (ii)&#160;changes to the total amount of expected future collections (which can be increases or decreases).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Credit Card Revenue</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.038pt;">Credit card revenue includes interest income, annual fees, late fees, as well as interchange fees, cash advance fees and other miscellaneous items from credit card transactions. Interest income is accrued monthly based on the outstanding receivables and their contractual interest rates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Servicing Revenue</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company recognizes servicing revenue following ASC 860, Transfers and Servicing. Servicing revenue consists primarily of fee-based income earned on accounts collected on behalf of others, primarily credit originators. The Company earns fee-based income by providing debt servicing to credit originators for nonperforming loans in the United States, Canada, and the United Kingdom.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:0.475pt;">Servicing Expenses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Servicing expenses primarily include collections and customer service expenses associated with previously charged off receivables, such as the cost of outsourced collections, debtor correspondence, and other direct expenses associated with collections and customer service efforts.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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          <font style="letter-spacing:-0.361pt;">&#160;</font>
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          <font style="letter-spacing:-0.342pt;">F-49</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Income Taxes</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company is a single-member limited liability company with numerous subsidiaries, most of which are limited liability companies. As such, the Company&#8217;s income is taxable to its members and generally not subject to federal and state income taxes at the company level. However, certain of the Company&#8217;s foreign subsidiaries are required to pay income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company accounts for income taxes under the asset and liability method, which requires the recognition of deferred tax assets (&#8220;DTA&#8221;) and deferred tax liabilities (&#8220;DTL&#8221;) for the expected future tax consequences of events that have been included in the financial statements. Under this method, the Company determines the DTAs and DTLs on the basis of the differences between the financial statement and tax bases of assets and liabilities by using enacted tax rates in effect for the year in which the differences are expected to reverse. The effect of a change in tax rates on DTAs and DTLs is recognized in income in the period that includes the enactment date.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company recognizes DTAs to the extent that the Company believes that these assets are more likely than not to be realized in making such a determination. The Company considers all available positive and negative evidence, including future reversals of existing taxable temporary differences, projected future taxable income, tax-planning strategies, carryback potential if permitted under the tax law, and results of recent operations. If the Company determines that it would be able to realize its DTAs in the future in excess of their net recorded amount, the Company would make an adjustment to the DTA valuation allowance, which would reduce the provision for income taxes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company records uncertain tax positions in accordance with ASC 740 on the basis of a two-step process in which (1)&#160;the Company determines whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2)&#160;for those tax positions that meet the more-likely-than-not recognition threshold. The Company recognizes the largest amount of the tax benefit that is more than 50% likely to be realized upon ultimate settlement with the related tax authority.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Recently Adopted Accounting Standards</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In November&#160;2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures (&#8220;ASU 2023-07&#8221;). ASU 2023-07 requires disclosure of significant segment expenses that are regularly provided to the chief operating decision maker and included within the segment measure of profit or loss. This guidance will be applied retrospectively and is effective for annual reporting periods in fiscal&#160;years beginning after December&#160;15, 2023, and interim reporting periods in fiscal&#160;years beginning after December&#160;31, 2024. The Company has adopted ASU 2023-07 effective December&#160;31, 2024 and concluded that the application of this guidance did not have any material impact on its consolidated financial statements. See Note 13 for more information.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Recent Accounting Standards or Updates Not Yet Adopted</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In October&#160;2023, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC&#8217;s Disclosure Update and Simplification Initiative, to amend certain disclosure and presentation requirements for a variety of topics within the Accounting Standards Codification (&#8220;ASC&#8221;). These amendments align the requirements in the ASC to the removal of certain disclosure requirements set out in Regulation&#160;S-X and Regulation&#160;S-K, announced by the Securities and Exchange Commission (&#8220;SEC&#8221;). The effective date for each amended topic in the ASC is either the date on which the SEC&#8217;s removal of the related disclosure requirement from Regulation&#160;S-X or Regulation&#160;S-K becomes effective, or on June&#160;30, 2027, if the SEC has not removed the requirements by that date. Early adoption is prohibited. The Company is currently evaluating these provisions and the impact they may have on its consolidated financial statements and related disclosures.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In December&#160;2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (&#8220;ASU 2023-09&#8221;). ASU 2023-09 requires disaggregated information about a reporting entity&#8217;s effective tax rate reconciliation as well as information on income taxes paid. The standard is intended to benefit investors by providing more detailed income tax disclosures that would be useful in making capital allocation decisions and apply to all entities subject to income taxes. The new standard is effective for annual periods </font>
        </div>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-50</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:13pt;">
          <font style="letter-spacing:-0.038pt;">beginning after December&#160;15, 2024. The Company is currently evaluating the provisions of this ASU and the impact on its consolidated financial statements and related disclosures.</font><font style="font-size:10pt;">&#8203;<font style="letter-spacing:-0.38pt;"> </font></font>
        </div>
        <div style="margin-top:5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In November&#160;2024, the FASB issued ASU 2024-03, which requires disaggregated disclosure of income statement expenses for public business entities (PBEs). The objective of ASU 2024-03 is to address requests from investors for more detailed information about the types of expenses. The ASU does not change the expense captions an entity presents on the face of the income statement; rather, it requires disaggregation of certain expense captions into specified categories in disclosures within the footnotes to the financial statements. The effective date for annual reporting periods is after December&#160;15, 2026, and interim periods within those annual periods beginning after December&#160;15, 2027.The Company is currently evaluating these provisions of this ASU and the impact they may have on its consolidated financial statements and related disclosures.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">2. Acquisitions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Effective April&#160;1, 2023, upon approval from the U.K. Solicitors Regulation&#160;Authority, the Company&#8217;s U.K. subsidiary JCIA Holdings, LLC entered into a definitive agreement to acquire Moriarty Law Limited (&#8220;Moriarty&#8221;) for $5.8&#160;million in cash. Moriarty is a law firm based in London, U.K that provides pre-litigation, legal recoveries, and enforcement services on behalf of its clients, including debt buyers, utilities, and banks. The Moriarty acquisition was accounted for using the acquisition method of accounting and, accordingly, the tangible and intangible assets acquired and liabilities assumed were recorded at their estimated fair values as of the date of the acquisition. The results of the acquired business have been included in the Company&#8217;s consolidated statement of operations from the date of acquisition.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The components of the purchase price allocation for the acquisition of Moriarty were as follows (in thousands): </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 0.5pt 0pt; width:412.09pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Purchase Price:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total purchase consideration paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">5,781</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Allocation of purchase price:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">1,805</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">855</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(355<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Identified intangible assets: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:412.09pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other intangible assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:412.09pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Goodwill </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">3,476</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; width:412.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total net assets acquired</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.204999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">5,781</td>
            <td style="padding:0pt;padding-left:0.204999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="9">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In the year ended December&#160;31, 2023, the Company recognized, from the Moriarty acquisition, Servicing revenue of $4.3&#160;million and Net income of $0.3&#160;million since the acquisition date. If the acquisition had occurred at the beginning of the reporting period, the Company would have recognized an additional Servicing revenue of $1.1&#160;million and Net income of $0.1&#160;million. The goodwill associated with this transaction is non-taxable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Effective December&#160;3, 2024, the Company&#8217;s U.S. subsidiary Jefferson Capital Systems, LLC entered into a definitive agreement to purchase certain assets from Conn&#8217;s, Inc. (&#8220;Conn&#8217;s) though a bankruptcy process for $244.9&#160;million in cash (the &#8220;Conn&#8217;s Portfolio Purchase&#8221;).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">A wholly owned subsidiary of Jefferson Capital hired 197 of the former full-time equivalents (&#8220;FTE&#8221;) of Conn&#8217;s on December&#160;4, 2024, to manage and service the assets acquired in the Conn&#8217;s Portfolio Purchase through their remaining life and entered into certain vendor contracts to maintain continuity of account servicing. In addition, Jefferson Capital was assigned a lease in San Antonio, Texas that had originally been entered into by Conn&#8217;s on November&#160;10, 2024, at Jefferson Capital&#8217;s request, in part to ensure that the Company </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-51</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">would have its desired facility in place by the closing of the Conn&#8217;s Portfolio Purchase. Jefferson Capital relocated the 197 new FTE of Jefferson Capital to the new San Antonio facility in January&#160;2025.</font><font style="font-size:10pt;">&#8203;<font style="letter-spacing:-0.38pt;"> </font></font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Conn&#8217;s portfolio purchase was accounted for as an asset acquisition in accordance with the asset acquisition method of accounting as detailed in ASC 805-50, Business Combinations&#8212;Related Issues (&#8220;ASC&#160;805&#8221;). Generally, under asset acquisition accounting, acquiring assets in groups not only requires ascertaining the cost of the asset (or net assets), but also allocating that cost to the individual assets (or individual assets and liabilities) that make up the group. The cost of the group of assets acquired in an asset acquisition is allocated to the individual assets acquired or liabilities assumed based on their relative fair values of net identifiable assets acquired other than certain &#8220;non-qualifying&#8221; assets (for example cash) and does not give rise to goodwill. The Company has determined the relative fair values of the assets acquired and liabilities assumed, as of the date of acquisition, as presented on the next page (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 0.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Purchase Price:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total purchase consideration paid </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">244,937</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Allocation of purchase price:</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,224</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Investments in receivables, net: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Unpaid principal balance </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">566,696</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Allowance for credit losses at time of acquisition </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(251,317<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Non-credit discount </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(89,316<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Investment in previously charged-off receivables </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">11,964</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">238,028</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Lease (ROU asset) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">789</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Information Technology Hardware </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">413</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total prepaid expenses and other assets: </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,202</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Other intangible assets: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Intellectual property </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">2,881</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Assembled workforce </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">2,391</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total other intangible assets </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">5,272</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:341.79pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:341.79pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Lease (ROU liability) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(789<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 3pt 0pt; width:341.79pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total net assets acquired</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.51pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">244,937</td>
            <td style="padding:0pt;padding-left:1.51pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="15">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The investments in receivables, net exhibited more than insignificant credit deterioration on the acquisition date and were valued as per ASC 326, CECL methodology for PCD assets.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company has allocated the purchase price by evaluating the market value of each asset or liability acquired at the time of purchase. The Company utilized the same methodology in allocating purchase price as a business combination by evaluating the market value of each item acquired at the time of purchase. The market values were determined by using the approximate costs of the services provided today. The market value apportionment&#160;percentage of each respective item was then applied to the purchase price to establish the allocated book values.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">For the acquired intangible assets, the weighted-average amortization period is thirty-one (31) months for both intellectual property and assembled workforce, as well as the combined total. There will be no residual value at the end of the life. For the information technology hardware the depreciable life is thirty-six (36) months, which follows the Company&#8217;s policy.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-52</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">In the year ended December&#160;31, 2024, and since the acquisition date, the Company recognized total portfolio revenue of $9.4&#160;million, servicing revenue of $1.9&#160;million and Net income of $3.1&#160;million related to the Conn&#8217;s portfolio purchase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">3. Fair Value Measurements</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company measures the fair values of its assets and liabilities, where applicable, based on the price that would be received upon sale of an asset or the price paid to transfer a liability, in an orderly transaction between market participants at the measurement date, i.e., the &#8220;exit price&#8221;. Under applicable accounting standards, fair value measurements are categorized into one of three levels based on the inputs to the valuation technique with the highest priority given to unadjusted quoted prices in active markets and the lowest priority given to unobservable inputs. The Company categorizes its fair value measurements of financial instruments based on this three-level hierarchy. The following is a brief description of each level:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:41pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">Level&#160;1</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:61pt;">
          <font style="letter-spacing:-0.038pt;">Unadjusted quoted prices in active markets for identical assets or liabilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:41pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">Level&#160;2</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:61pt;">
          <font style="letter-spacing:-0.038pt;">Observable inputs other than Level&#160;1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:41pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">Level&#160;3</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:61pt;">
          <font style="letter-spacing:-0.038pt;">Unobservable inputs that are supported by little or no market activity and that are significant to the overall fair value of the assets or liabilities. Level&#160;3 assets and liabilities include financial instruments for which the determination of fair value requires significant management judgment or estimation. The fair value for such assets and liabilities is generally determined using pricing models, discounted cash flow methodologies or similar techniques that incorporate the assumptions a market participant would use in pricing the asset or liability. An example for the Company is Investments in Receivables, net (Note 3).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company does not have any financial instruments that are subject to fair value measurements on a recurring basis.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Financial Instruments Not Required to Be Carried at Fair Value</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The table below summarizes fair value estimates for the Company&#8217;s financial instruments that are not required to be carried at fair value.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The carrying amounts in the following table are recorded in the consolidated balance sheet as of December&#160;31, 2024 and 2023 (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:207.81pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, 2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:207.81pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Carrying</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Fair Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Carrying</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Estimated</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Fair Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:207.81pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Financial Assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:207.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Investments in receivables, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,497,748</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,646,535</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">984,496</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">1,079,491</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:207.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card receivable, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">17,176</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">17,176</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">20,034</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">20,034</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:207.81pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Financial Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:207.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit agreements </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">508,146</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">513,799</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">481,333</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">488,195</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:207.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">297,828</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">299,478</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">296,456</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:37.5pt; text-align:right; white-space:nowrap;">287,967</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:207.81pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2029 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">394,405</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">424,792</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:37.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:3.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Investment in receivables, net</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The fair value of investments in receivables, net is measured using Level&#160;3 inputs by discounting the estimated future cash flows generated by the Company&#8217;s proprietary forecasting models. The key inputs include the estimated future gross cash flow, average cost to collect, and a discount rate. The determination of such inputs </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-53</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">requires significant judgment. The Company evaluates the use of key inputs on an ongoing basis and refines the data as it continues to obtain market data. See Note 4.</font><font style="font-size:10pt;">&#8203;<font style="letter-spacing:-0.38pt;"> </font></font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Credit card receivables, net</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The fair value approximates the carrying value, due to their current nature.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Credit agreements</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The fair value of notes payable is measured using Level&#160;3 inputs. The fair value approximates the principal value due to the short-term adjustable-rate nature of the notes payable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Senior unsecured bonds due 2026 and 2029</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The fair value estimates for the Senior Unsecured Bond are based on quoted market prices that were obtained from secondary market broker quotes. Accordingly, the Company uses Level&#160;2 inputs for its fair value estimates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">4. Investment in receivables, net</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table presents the roll forward of the balance of the investment in receivables, net for the following periods (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:338.34pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:338.34pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:338.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, beginning of period</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.12pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">984,496</td>
            <td style="padding:0pt;padding-left:-2.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.579999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">579,953</td>
            <td style="padding:0pt;padding-left:0.579999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:338.34pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Purchases</font><font style=" position:relative; bottom:4pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">723,253</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">530,873</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:338.34pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Cash collections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(584,559<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(430,974<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:338.34pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">396,304</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">306,529</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:338.34pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in expected current period recoveries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">12,522</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">1,281</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:338.34pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Changes in expected future period recoveries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">(12,941<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(14,236<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:338.34pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign currency adjustments </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(21,327<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">11,070</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:338.34pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance, end of period</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.12pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,497,748</td>
            <td style="padding:0pt;padding-left:-2.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.579999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">984,496</td>
            <td style="padding:0pt;padding-left:0.579999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">The table below provides the detail on the establishment of negative allowance for expected recoveries of portfolios purchased during the periods presented (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <table style="width:456pt;margin-top:9.30000000000001pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:315.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Year Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:315.43pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Purchase price </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">497,189</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:44.25pt; text-align:right; white-space:nowrap;">530,873</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Allowance for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">8,161,280</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:44.25pt; text-align:right; white-space:nowrap;">13,783,156</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortized cost </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">8,658,469</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:44.25pt; text-align:right; white-space:nowrap;">14,314,029</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Noncredit discount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">540,042</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:44.25pt; text-align:right; white-space:nowrap;">514,450</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Face value </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">9,198,511</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:44.25pt; text-align:right; white-space:nowrap;">14,828,479</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Write-off of amortized cost </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">(8,658,469<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:44.25pt; text-align:right; white-space:nowrap;">(14,314,029<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Write-off of noncredit discount </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:39.75pt; text-align:right; white-space:nowrap;">(540,042<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:44.25pt; text-align:right; white-space:nowrap;">(514,450<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Negative allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">497,189</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:44.25pt; text-align:right; white-space:nowrap;">530,873</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:315.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Negative allowance for expected recoveries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:39.75pt; text-align:right; white-space:nowrap;">497,189</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:44.25pt; text-align:right; white-space:nowrap;">530,873</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.3pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Recoveries above or below forecast represent over and under-performance in the reporting period, respectively. Actual collections during the year ended December&#160;31, 2024 and 2023, overperformed the projected collections by approximately $12.5&#160;million and $1.3&#160;million, respectively. The Company believes the collection </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-54</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">outperformance was primarily driven by continued strong collection performance in the Company&#8217;s utilities and telecom asset class and the expansion of the legal channel.</font><font style="font-size:10pt;">&#8203;<font style="letter-spacing:-0.38pt;"> </font></font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">When reassessing the forecasts of expected lifetime recoveries during the year ended December&#160;31, 2024, management considered historical and current collection performance and believes that for certain static pools sustained collections underperformance resulted in decreased total expected recoveries. As a result, the Company has updated its forecast, resulting in a net decrease of total estimated remaining collections, which in turn, when discounted to present value, resulted in a negative change in expected future period recoveries of approximately $12.9&#160;million and $14.2&#160;million during the&#160;years ended December&#160;31, 2024 and 2023, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">At the time of the Conn&#8217;s portfolio purchase, which was majority performing receivables, the Company established an allowance for credit losses of $251.3&#160;million. Additionally, due to the discount paid to face value on the portfolio, the Company also established a non-credit discount of $89.3&#160;million at the time of purchase.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company places performing receivables on nonaccrual status when the receivables are greater than 90&#160;days. To facilitate the monitoring of credit quality for performing receivables, and for the purpose of determining an appropriate allowance for losses for these receivables, the Company utilizes payment history and current payment status. The below tables present the information on the past due and non-accrual buckets for the assets acquired in the Conn&#8217;s portfolio purchase, and does not include all other purchased loans as they were charged-off at the time or purchase, as of December&#160;31, 2024:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:344.95pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:344.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Delinquency </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:344.95pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">United States</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">352,403</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">352,403</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">33,683</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">33,683</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">29,685</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">29,685</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:344.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">121,337</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">121,337</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:344.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortized Cost &gt; 90 DPD and Accruing</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:344.95pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">537,108</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">537,108</td>
            <td style="padding:0pt;padding-left:3.385pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:6.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table presents non-accrual performing loans by segment (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:342.23pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:342.23pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">with No</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:342.23pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">121,337</td>
            <td style="padding:0pt;padding-left:0.945pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.415pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:342.23pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">121,337</td>
            <td style="padding:0pt;padding-left:1.82pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.195pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:10.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:14.195pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:6.51pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">For the year ended December&#160;31, 2024, the Company purchased receivable portfolios with face values of $9,837.1&#160;million for a purchase price of $723.3&#160;million or 7.4% of face value. For the year ended December&#160;31, 2023, the Company purchased receivable portfolios with face values of $14,828.5&#160;million for a purchase price of $530.9&#160;million or 3.6% of face value. The price paid relative to the face amount of receivables will vary based upon the type of debt purchased, the age of the debt at the time of acquisition and the overall debt acquisition market. The&#160;percentage reported represents the weighted average of activity for the period and is a function of the mix of assets acquired in any period. For the receivables purchased in the&#160;years ended December&#160;31, 2024 and 2023, the estimated amount of cash flows to be collected were $1,423.4&#160;million and $1,045.3&#160;million (as of purchase), respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-55</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">5. Credit Card Receivables</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the credit card receivables, gross of allowance for credit losses, by geography (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:356.56pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:356.56pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,470</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">8,833</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">11,613</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">13,414</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:356.56pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,083</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.735pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">22,247</td>
            <td style="padding:0pt;padding-left:2.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:6.81pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company places credit card receivables on nonaccrual status when the credit card receivables are greater than 90&#160;days past due or within 60&#160;days of being notified that the customer is in bankruptcy status, whichever is earlier. The below tables present the information on the Company&#8217;s past due and non-accrual credit card receivables as of December&#160;31, 2024 and 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Age Analysis of Past-Due Credit Card Receivables At December&#160;31, 2024 (in thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:130.72pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Past Due </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amortized </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Cost &gt; 90 DPD </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">and Accruing</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:130.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">196</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">177</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">551</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">924</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,546</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,470</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:130.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">281</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">157</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">339</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">777</td>
            <td style="padding:0pt;padding-left:1.785pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,836</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">11,613</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:130.72pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">477</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">334</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">890</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,701</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">17,382</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,083</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.03pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.03pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="44">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:6.71pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Age Analysis of Past-Due Credit Card Receivables At December&#160;31, 2023 (in thousands)</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:130.72pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Past Due </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amortized </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Cost &gt; 90 DPD </font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">and Accruing</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;text-transform:uppercase;letter-spacing:0.3pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:130.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">264</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">208</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">543</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.345000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,015</td>
            <td style="padding:0pt;padding-left:0.345000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,818</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">8,833</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:130.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">311</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">206</td>
            <td style="padding:0pt;padding-left:1.505pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">300</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.345000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">817</td>
            <td style="padding:0pt;padding-left:0.345000000000001pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">12,597</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">13,414</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.225pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:130.72pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">575</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">414</td>
            <td style="padding:0pt;padding-left:0.364999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">843</td>
            <td style="padding:0pt;padding-left:-1.14pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,832</td>
            <td style="padding:0pt;padding-left:0.175000000000001pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">20,415</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">22,247</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.03pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:19.03pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="44">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.9pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">The Company does not accrue interest on receivables greater than 90&#160;days past due.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Allowance for Credit Losses</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the change in the allowance for credit losses for the Company&#8217;s credit card receivables portfolio (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:298.57pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:298.57pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
                <font style="letter-spacing:0.475pt;">Balance as of December&#160;31, 2022</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,140</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,266</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,406</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:298.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Charge-offs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(2,137<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(1,580<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(3,717<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:298.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">2,106</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,418</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">3,524</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:298.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance as of December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,109</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,104</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,213</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:298.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Charge-offs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(2,028<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(1,775<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(3,803<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:298.57pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Provision </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,876</td>
            <td style="padding:0pt;padding-left:8.095pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,621</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">3,497</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:298.57pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Balance as of December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">957</td>
            <td style="padding:0pt;padding-left:7.635pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">950</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,907</td>
            <td style="padding:0pt;padding-left:-0.460000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="20">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-56</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Non-Accrual Loans</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table presents non-accrual loans by segment (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:228.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, 2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:228.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">with No</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Nonaccrual</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">with No</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Allowance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:228.45pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">551</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">543</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:228.45pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">339</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">300</td>
            <td style="padding:0pt;padding-left:10.835pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:11.89pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:228.45pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">890</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">843</td>
            <td style="padding:0pt;padding-left:9.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.695pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.69pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">No interest income was recorded for the non-accrual receivables for the&#160;years ended December&#160;31, 2024 and </font><font style="letter-spacing:-0.361pt;">2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Credit Quality Indicators</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">To facilitate the monitoring of credit quality for credit card receivables, and for the purpose of determining an appropriate allowance for credit losses for these receivables, the Company utilizes payment history and current payment status. The following table presents amortized cost basis credit card receivables by age analysis (in thousands).</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:356.56pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December 31,</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Delinquency </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">United States</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,547</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,818</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">197</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">264</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">176</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">208</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">550</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">543</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">7,470</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">8,833</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Canada</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,836</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">12,597</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">282</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">311</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">157</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">206</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">338</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">300</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">11,613</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">13,414</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Combined </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Current </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">17,383</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">20,415</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">30&#8201;&#8211;&#8201;59 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">479</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">575</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">60&#8201;&#8211;&#8201;89 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">333</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">414</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">&gt;90 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">888</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">843</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Total</font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,083</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">22,247</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.69pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">6. Goodwill and Other Intangible Assets</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company tests goodwill for impairment at least annually as of June&#160;30, or more frequently, if certain events or circumstances warrant. During fiscal year 2024 and 2023, the Company recorded no impairments of goodwill at the Company&#8217;s reporting&#160;units.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-57</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following table summarizes the changes in goodwill and other intangible assets (in thousands) in the Company&#8217;s reportable segments:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:230.16pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Goodwill</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2022</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">31,633</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">13,371</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">7,257</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8199;&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">52,261</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Acquisitions </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,476</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,476</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,273</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">160</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,433</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">31,633</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">18,120</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">7,417</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">57,170</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,089</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">(576<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">513</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">31,633</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">19,209</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">6,841</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">57,683</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Intangible assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">December&#160;31, 2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,952</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">4,397</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">7,349</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Less: Amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(299<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(616<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(915<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.5pt 0pt 1.75pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
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            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">85</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">85</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2023</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,653</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">3,866</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,519</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Conn&#8217;s Portfolio Purchase </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,272</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,272</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.5pt 0pt 1pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Less: Amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(677<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">(607<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">(1,284<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.5pt 0pt 1.75pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Impact of FX Translation </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">(270<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:5.085pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">(270<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 2.5pt 0pt; width:230.16pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">December&#160;31, 2024</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">7,248</td>
            <td style="padding:0pt;padding-left:-3.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:-1.22pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">2,989</td>
            <td style="padding:0pt;padding-left:-2.045pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:15pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:4.615pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.25pt 0pt 1.75pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">10,237</td>
            <td style="padding:0pt;padding-left:-2.71pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:9pt;line-height:9pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Amortization expense over the next five&#160;years and thereafter is expected as follows (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:406.28pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:406.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">3,818</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:406.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,228</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:406.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2027 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,447</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:406.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2028 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">870</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:406.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2029 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">870</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:406.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">1,004</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:406.28pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total future minimum amortization expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">10,237</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.6pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">7. Notes Payable, Net (in thousands)</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:4pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:244.95pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:244.95pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:244.95pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Outstanding </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Interest</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Rate </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Outstanding </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Interest</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Rate </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:244.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">300,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">300,000</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">6.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:244.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Senior unsecured bond due 2029 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">400,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">9.50<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:244.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Credit agreements </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">508,146</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">7.51<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">481,332</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">8.67<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:244.95pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,208,146</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.79<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">781,332</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">7.64<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:244.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Unamortized debt issuance costs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">(13,420<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(10,406<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.65pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:244.95pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Notes Payable, net</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">1,194,726</td>
            <td style="padding:0pt;padding-left:0.234999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.91pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">770,926</td>
            <td style="padding:0pt;padding-left:0.91pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.845pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="26">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-58</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Effective May&#160;21, 2021, the Company entered into a new $500&#160;million, 3-year credit facility with a maturity of May&#160;21, 2024 (&#8220;Credit Agreement&#8221;). The interest rate for the Credit Agreement incorporates a spread above the relevant currency LIBOR. Effective December&#160;28, 2021, the Credit Agreement was amended to incorporate LIBOR replacement provisions to reflect the current market approach, including SONIA loans in addition to the previously available SOFR loans for GBP denominated loans. The Financial Conduct Authority ceased publishing most LIBOR rates effective January&#160;1, 2022, with an extension to June&#160;30, 2023, for the remaining LIBOR rates. The Company&#8217;s USD LIBOR rates fall under the extension to June&#160;30, 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On August&#160;4, 2021, the Company completed an offering of $300.0&#160;million aggregate principal amount of 6.000% senior notes due 2026 (the &#8220;2026 Notes&#8221;) under an indenture (the &#8220;2026 Notes Indenture&#8221;), dated as of August&#160;4, 2021, among the Company, the guarantors party thereto and U.S. Bank Trust Company, National Association (as successor to U.S. Bank National Association), as trustee. The 2026 Notes are general senior unsecured obligations of the Company and are guaranteed by certain of the Company&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2026 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on February&#160;15, 2022. The 2026 Notes mature on August&#160;15, 2026. At any time and from time to time prior to August&#160;15, 2023, the 2026 Notes may be redeemed at the Company&#8217;s option, in whole or in part, at a redemption price equal to 100% of the principal amount of the 2026 Notes redeemed, plus accrued and unpaid interest thereon, if any, to but excluding the applicable date of redemption, subject to the rights of holders of 2026 Notes on the relevant record date to receive interest due on the relevant interest payment date, plus the applicable premium as of the applicable redemption date. On and after August&#160;15, 2023, the 2026 Notes may be redeemed, at the Company&#8217;s option, in whole or in part, at any time and from time to time, at the redemption prices set forth below. The 2026 Notes will be redeemable at the redemption prices (expressed as&#160;percentages of principal amount of the 2026 Notes to be redeemed) set forth below plus accrued and unpaid interest thereon, if any, to but excluding the applicable redemption date, subject to the right of holders of the 2026 Notes on the relevant record date to receive interest due on the relevant interest payment date, if redeemed during the 12-month period beginning on August&#160;15 of each of the&#160;years indicated below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:399.11pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percentage</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Principle </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">103.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">101.500<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">2025 and thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">100.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>

          <div style="margin-top:7.5pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">The 2026 Notes Indenture contains covenants that limit the Company&#8217;s ability and the ability of the Company&#8217;s restricted subsidiaries to, among other things: (i)&#160;incur or guarantee additional debt; (ii)&#160;incur certain liens; (iii)&#160;make certain investments; (iv)&#160;create restrictions on the payment of dividends or other amounts from the Company&#8217;s restricted subsidiaries that are not guarantors under the 2026 Notes Indenture; (v)&#160;enter into certain transactions with affiliates; (vi)&#160;merge or consolidate with another person, or sell or otherwise dispose of all or substantially all of The Company&#8217;s assets; (vii)&#160;sell certain assets, including capital stock of the Company&#8217;s subsidiaries; (x)&#160;designate the Company&#8217;s subsidiaries as unrestricted subsidiaries; and (xi)&#160;pay dividends, redeem or repurchase capital stock or make other restricted payments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">These notes incurred issuance costs of $6.9&#160;million, including legal expenses and origination fees, which decrease the carry balance of the notes. These expenses were capitalized at the time of issuance and are being amortized over the 5-year life of the bonds. At December&#160;31, 2024, the balance of the capitalized bond issuance costs is $2.2&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On February&#160;28, 2022, the Company amended its Credit Agreement to include a new $150.0&#160;million Canadian sub-facility to go alongside the $35.0&#160;million UK sub-facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On April&#160;26, 2023, the Company amended and extended its Credit Agreement to an aggregate commitment of $600&#160;million with a 5-year maturity of April&#160;26, 2028.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-59</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:18.3200000000001pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">On September&#160;29, 2023, the Company amended its Credit Agreement to an aggregate commitment of $750&#160;million and modified its sub-facility limits to $85&#160;million for the Canadian sub-facility and $50&#160;million for the U.K. sub-facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">On February&#160;2, 2024, the Company completed an offering of $400.0&#160;million aggregate principal amount of 9.500% senior notes due 2029 (the &#8220;2029 Notes&#8221;) under an indenture (the &#8220;2029 Notes Indenture&#8221;), dated as of February&#160;2, 2024, among the Company, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee. The 2029 Notes are general senior unsecured obligations of the Company and are guaranteed by certain of the Company&#8217;s wholly-owned domestic restricted subsidiaries. Interest on the 2029 Notes is payable semi-annually on February&#160;15 and August&#160;15 of each year, commencing on August&#160;15, 2024. The 2029 Notes mature on February&#160;15, 2029. At any time and from time to time prior to February&#160;15, 2026, the 2029 Notes may be redeemed at the Company&#8217;s option, in whole or in part, at a redemption price equal to 100% of the principal amount of the 2029 Notes redeemed, plus accrued and unpaid interest thereon, if any, to but excluding the applicable date of redemption, subject to the rights of holders of 2029 Notes on the relevant record date to receive interest due on the relevant interest payment date, plus the applicable premium as of the applicable redemption date. On and after February&#160;15, 2026, the 2029 Notes may be redeemed, at the Company&#8217;s option, in whole or in part, at any time and from time to time, at the redemption prices set forth below. The 2029 Notes will be redeemable at the redemption prices (expressed as&#160;percentages of principal amount of the 2029 Notes to be redeemed) set forth below plus accrued and unpaid interest thereon, if any, to but excluding the applicable redemption date, subject to the right of holders of the 2029 Notes on the relevant record date to receive interest due on the relevant interest payment date, if redeemed during the 12-month period beginning on February&#160;15 of each of the&#160;years indicated below:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:399.11pt;">
              <div style="white-space:nowrap;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Dates </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Percentage</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">of Principle </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">104.750<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2027 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">102.375<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:399.11pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">2028 and thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:30.75pt; text-align:right; white-space:nowrap;">100.000<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.585pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.69pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The 2029 Notes Indenture contains covenants that limit the Company&#8217;s ability and the ability of the Company&#8217;s restricted subsidiaries to, among other things: (i)&#160;incur or guarantee additional debt; (ii)&#160;incur certain liens; (iii)&#160;make certain investments; (iv)&#160;create restrictions on the payment of dividends or other amounts from the Company&#8217;s restricted subsidiaries that are not guarantors under the 2029 Notes Indenture; (v)&#160;enter into certain transactions with affiliates; (vi)&#160;merge or consolidate with another person, or sell or otherwise dispose of all or substantially all of the Company&#8217;s assets; (vii)&#160;sell certain assets, including capital stock of the Company&#8217;s subsidiaries; (x)&#160;designate the Company&#8217;s subsidiaries as unrestricted subsidiaries; and (xi)&#160;pay dividends, redeem or repurchase capital stock or make other restricted payments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">These notes incurred issuance costs of $6.8&#160;million, including legal expenses and origination fees, which decrease the carry balance of the notes. These expenses were capitalized at the time of issuance and are being amortized over the 5-year life of the bonds. At December&#160;31, 2024, the balance of the capitalized bond issuance costs is $5.6&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">On November&#160;13, 2024, the Company amended its Credit Agreement to an aggregate commitment of $825&#160;million through the exercise of its accordion feature and modified its sub-facility limits to $110&#160;million for the Canadian sub-facility and $665&#160;million for the U.S. sub-facility.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-60</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Components of interest expense for the&#160;years ended December&#160;31, 2024 and 2023 (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:356.56pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Years Ended</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:356.56pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Interest expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">72,986</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">45,197</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Amortization of note payable origination costs </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">4,253</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">2,911</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:356.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Interest Expense</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">77,239</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.735pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:26.25pt; text-align:right; white-space:nowrap;">48,108</td>
            <td style="padding:0pt;padding-left:2.735pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>

          <div style="margin-top:7.6pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2024, the outstanding balances of notes payable were $1,194.7&#160;million with the aggregated average interest rate of 7.79%. In comparison, as of December&#160;31, 2023, the outstanding balances of notes payable were $770.9&#160;million with the aggregated average interest rate of 7.64%</font><font style="letter-spacing:-0.361pt;">.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company incurred costs related to the issuance and origination of its notes payable which are deferred and recorded net of the debt balance and amortized to interest expense over the life of the debt on an effective interest method. The unamortized debt issuance costs related to the notes payable were $13.4&#160;million and $10.4&#160;million as of December&#160;31, 2024 and 2023, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Credit agreement contains five financial covenants:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">The Maximum Senior Leverage Ratio to not exceed 2.50 to 1.00</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">The Maximum Leverage Ratio to not exceed 3.25 to 1.00</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">The Minimum Fixed Charge Coverage Ratio of not less than 1.25 to 1.00</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Minimum Tangible Net Worth not to be less than a starting value plus 50% of each subsequent quarter&#8217;s Net Income</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:12pt;white-space:nowrap;">
          <font style="letter-spacing:-0.361pt;">&#9642;</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:32pt;">
          <font style="letter-spacing:-0.038pt;">Minimum Actual Collections where the Company must collect at least 85% of the projected collections over the trailing twelve-month period</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2024, the Company was in compliance with all the financial covenants of its notes payable.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">8. Leases</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company recognized operating lease right-of-use (&#8220;ROU&#8221;) assets and operating lease liabilities in the consolidated statements of financial condition. The Company elected not to apply the recognition requirements to short-term leases, not to separate non-lease components from lease components, and elected the transition provisions available for existing contracts, which allowed the Company to carryforward its historical assessments of (1)&#160;whether contracts are or contain a lease, (2)&#160;lease classification, and (3)&#160;initial direct costs.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">ROU assets represent the Company&#8217;s right to use an underlying asset during the lease term and lease liabilities represent the Company&#8217;s obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at commencement date based on the net present value of fixed lease payments over the lease term. The Company&#8217;s lease term includes options to extend or terminate the lease when it is reasonably certain that it will exercise that option. ROU assets also include any advance lease payments made and are net of any lease incentives. As most of the Company&#8217;s operating leases do not provide an implicit rate, the Company uses its incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The majority of the Company&#8217;s leases are for corporate offices, various facilities, and information technology equipment. In 2024, the Company added new leases for an office in San Antonio, Texas to support the Conn&#8217;s Portfolio Purchase, its corporate headquarters in Minneapolis, Minnesota, two separate leases in London, Ontario, and a corporate office in Toronto, Ontario all of which are to support our Canadian operations. The </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-61</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">components of lease expense for the&#160;years ended December&#160;31, 2024 and 2023, are presented on the next page as follows (in thousands):</font><font style="font-size:10pt;">&#8203;<font style="letter-spacing:-0.38pt;"> </font></font>
        </div>
        <table style="width:456pt;margin-top:8.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Years Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Operating lease costs</font><font style=" position:relative; bottom:4pt;line-height:6pt;font-size:6pt;letter-spacing:-0.266pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1,587</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1,489</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total lease costs </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1,587</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">1,489</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:3.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style=" position:relative; bottom:2.75pt;font-size:5.5pt;letter-spacing:-0.209pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:3.2pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Operating lease expenses are included in other selling, general and administrative expenses in the Company&#8217;s consolidated statements of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table provides supplemental consolidated balance sheet information related to leases as of December&#160;31, 2024 and 2023 (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:189.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:166.72pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:189.45pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt; width:166.72pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Classification </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:189.45pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Assets </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:166.72pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:189.45pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Operating lease right-of-use assets </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:166.72pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Prepaid expenses and other assets </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,449</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,034</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:189.45pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total lease right-of-use assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.75pt 0pt; width:166.72pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,449</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,034</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.25pt 0pt 1.5pt 0pt; width:189.45pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Liabilities </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:166.72pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:189.45pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Operating lease liabilities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:166.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Accounts payable and accrued expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,861</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,376</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:189.45pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total lease liabilities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.75pt 0pt; width:166.72pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,861</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">4,376</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="17">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.3pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Supplemental lease information is summarized below (in thousands, except rate and lease term):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.31pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">As of December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:373.31pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Weighted-average remaining lease term (in&#160;years) </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Operating leases </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">5.5</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">6.7</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:373.31pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Weight-average discount rate </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:373.31pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Operating leases </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">7.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 12pt 0pt;border-bottom:0.75pt solid #000000; ; min-width:12.75pt; text-align:right; white-space:nowrap;">4.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.42pt;width:0pt;border-bottom:0.75pt solid #000000; ;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.3pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Minimum future payments on non-cancellable operating leases as of December&#160;31, 2024, are summarized as follows (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:379.98pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Operating Leases </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">1,216</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">1,344</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2027 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">976</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2028 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">767</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.361pt;">2029 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">551</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Thereafter </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">1,164</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Total undiscounted lease payments </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">6,018</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:379.98pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Less: imputed interest </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(1,157<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:379.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Lease obligations under operating leases </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">4,861</td>
            <td style="padding:0pt;padding-left:14.47pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-62</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">9. Management Long-Term Incentive Plan</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company maintains the JCAP TopCo, LLC 2018 Underlying Units Plan (the &#8220;Plan&#8221;), effective August&#160;31, 2018, to promote the long-term growth and profitability of the Company by providing certain of the Company&#8217;s employees and other service providers who are or will be involved in the Company&#8217;s growth with an opportunity to acquire equity interests that enable them to share in the appreciation of value of the Company, thereby encouraging such persons to contribute to and participate in the success of the Company.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Under the Plan, awards of Class&#160;B Units representing limited liability company interests in JCAP TopCo, LLC, a holding company and direct parent of the Company, are issued to Management Invest LLC, which in turn issues corresponding awards of Class&#160;B Units in Management Invest LLC to certain of the Company&#8217;s employees and other service providers. As of December&#160;31, 2024, there were 26,932,232 Class&#160;B units available for issuance, of which 26,932,232 were issued and outstanding. As of December&#160;31, 2023, there were 29,267,097 Class&#160;B units available for issuance, of which 29,267,097 were issued and outstanding. The Plan&#160;units qualify as liability awards since they will be settled in cash upon redemption and are included in accounts payable and accrued expenses on the consolidated balance sheet. The unit value is calculated based on the estimated fair value of the Company over the original investment amount. Thirty&#160;percent (30%) of the&#160;units shall become vested in five equal installments on each of the first five anniversaries of their respective grant dates, and the remaining seventy&#160;percent (70%) shall vest upon a change of control if applicable distribution thresholds are achieved. The Company values its&#160;units awarded under the Plan based on the market approach. The Company utilizes public company comparable information to establish the MOIC, which is then applied against the strike prices of the respective vested portion of the&#160;units awarded under the Plan to calculate the compensation exposure. For the&#160;years ended December&#160;31, 2024 and 2023, compensation expense recognized was $4.5&#160;million and $1.0&#160;million, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">10. Commitments and Contingencies</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:7pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Purchase Commitments</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In the normal course of business, the Company enters into forward flow purchase agreements. A forward flow purchase agreement is a commitment to purchase receivables over a duration that is typically three to twelve&#160;months, but can be longer, generally with a specifically defined volume range, frequency, and pricing. Typically, these forward flow contracts have provisions that allow for early termination or price re-negotiation should the underlying quality of the portfolio deteriorate over time or if any particular month&#8217;s delivery is materially different than the original portfolio used to price the forward flow contract. Certain of these forward flow purchase agreements may also have termination clauses, whereby the agreements can be canceled by either party upon providing a certain specified amount of notice.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2024 and 2023 the Company had entered into forward flow purchase agreements for the purchase of receivables with an estimated minimum aggregate purchase price of approximately $326.8&#160;million and $237.3&#160;million, respectively. The Company expects actual purchases under these forward flow purchase agreements to be significantly greater than the estimated minimum aggregate purchase price.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Employee Savings and Retirement Plan</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company sponsors defined contribution plans in the U.S., Canada, and the U.K. The U.S. plan is organized as a 401(k) plan under which all employees are eligible to make voluntary contributions to the plan up to 100% of their compensation, subject to IRS limitations, as defined in the plan. The Company makes matching contributions of 25% of up to 6% of an employee&#8217;s salary. In Canada, the Company has a Deferred Profit-Sharing Plan (DPSP) in which the Company contributes 3% of salary to their DPSP fund. Employees contributing to the Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA) receive up to a 2% match, bringing the potential total match to 5% of salary. In the U.K., the Company operates the government contribution plan where employees contribute 5% of their salary and the Company contributes 3% of the employee salary on a monthly basis. Employees can make additional contributions to the plan via their salary, either by one off extra contribution or increasing the monthly&#160;percentage but must contribute a minimum of 5%. Total compensation expense related to the Company&#8217;s contributions was $0.8&#160;million and $0.7&#160;million for the&#160;years ended December&#160;31, 2024 and 2023, respectively.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-63</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Commitments to extend credit</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company, in the normal course of business through its credit card programs, has the obligation to purchase the credit card receivables from the issuing bank, thereby incurring off-balance-sheet risk. This risk includes the cardholder&#8217;s rights to borrow up to the maximum credit limit on their credit card accounts, which is $15.8&#160;million as of December&#160;31, 2024 and $17.8&#160;million as of December&#160;31, 2023, beyond their current balances. The Company has not experienced a situation in which all of the Company&#8217;s cardholders have exercised their entire available line of credit at any given point in time, nor does management anticipate this will ever occur in the future. Also, the Company can, subject to certain regulatory requirements, reduce or cancel these available credit limits.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Contingent payments</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As part of the Company&#8217;s acquisition of Canaccede Financial Group, Ltd. (&#8220;Canaccede&#8221;) in March&#160;2020, an exit incentive was awarded to the former shareholders of Canaccede for up to $C 15.625&#160;million that would be payable only on a Liquidity Event for J.C. Flowers (&#8220;JCF&#8221;), defined to mean a final exit, that yielded net returns to JCF in excess of a certain hurdles as defined in the purchase agreement. The payment, which is contingent on a Liquidity Event and achieving certain hurdles, would be based on cash-on-cash returns to JCF, measured at that final exit, as an equity-linked incentive with capped upside and designed to be paid with sale proceeds received from a new owner. Each year the Company reassesses the fair value of the exit incentive payment to determine whether such amount should be recorded within the consolidated financial statements. As of December&#160;31, 2024, Jefferson Capital determined that the occurrence in the future of a Liquidity Event above the requisite MOIC thresholds will be probable by December&#160;31, 2027. As a result, the Company accrued a liability related to the Canaccede exit consideration of $7.7&#160;million as of December&#160;31, 2024, reflecting the net present value of an anticipated payment of the maximum amount. This has been recorded as expense on the income statement in other selling, general and administrative with the offset being a liability on the balance sheet in accounts payable and accrued expenses</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Litigation</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company and its subsidiaries are subject to various legal proceedings and claims that arise in the ordinary course of business. For fiscal&#160;years ended December&#160;31, 2024 and 2023, there are no material pending legal proceedings to which the Company or its subsidiaries are a party.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">11. Variable Interest Entities</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company determined that certain special purpose entities (&#8220;SPEs&#8221;) are VIEs. A VIE is an entity that has either a total equity investment that is insufficient to permit the entity to finance its activities without additional subordinated financial support or whose equity investors lack the characteristics of a controlling financial interest. A VIE is consolidated by its primary beneficiary, which is the entity that, through its variable interests has both the power to direct the activities that significantly impact the VIE&#8217;s economic performance and the obligations to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On May&#160;12, 2023, the Company purchased the non-controlling interest of its special purpose entity, which is fully reflected in the consolidated balance sheet and statements of operations.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Columbian Joint Venture</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company, through a joint venture, acquired a portfolio of non-performing loans based in Colombia for $7.9&#160;million. The acquisition, which occurred in October&#160;2021, was funded through a capital contribution of debt and equity into the local purchasing trust. The Company held a 90% economic interest in the trust with the joint venture partner holding the remaining 10%. The 10% interest was reflected as non-controlling interest in the consolidated financial statements. On May&#160;12, 2023, the Company purchased the remaining 10% from the joint venture partner.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">12. Income taxes</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company and all of the Company&#8217;s domestic subsidiaries are LLCs and are disregarded for United States federal and state income tax purposes. As such, the Company&#8217;s income is taxable to its members and generally </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-64</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:68.93pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:13.5pt;">
          <font style="letter-spacing:-0.038pt;">not subject to United States federal and state income taxes at the company level. However, certain of the Company&#8217;s foreign subsidiaries are required to pay income taxes.</font><font style="font-size:10pt;">&#8203;<font style="letter-spacing:-0.38pt;"> </font></font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Income before taxes consisted of the following (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Years Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">United States </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">97,211</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">78,904</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Foreign </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">40,343</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">41,680</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Income Before Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">137,554</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">120,584</td>
            <td style="padding:0pt;padding-left:7.025pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.69pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The provision for Income taxes consisted of the following (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Years Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Current Expense (benefit) </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8,663</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">9,028</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">8,663</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">9,028</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Deferred expense (benefit) </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">17</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">17</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Provision for Income Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">8,663</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:21.75pt; text-align:right; white-space:nowrap;">9,045</td>
            <td style="padding:0pt;padding-left:12.83pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:8.69pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Since the Company and its domestic subsidiaries are disregarded entities for United States federal and state income tax purposes, the reconciliation of federal statutory income tax rate will result in a tax impact on international earnings equal to our effective tax rate of 6.3% as of December&#160;31, 2024 and 7.5% as of December&#160;31, 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">A reconciliation of the statutory U.S. federal income tax rate to our effective tax rate was as follows:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Years Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">U.S. Federal provision </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">21.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">21.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Effect of: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49999999999994pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">State and local income taxes, net of federal income tax benefit </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">0.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Income not subject to federal income tax </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">-21.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:19.5pt; text-align:right; white-space:nowrap;">-21.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.038pt;">Tax impact on international earnings </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">6.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">7.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:0.475pt;">Effective rate</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">6.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:19.5pt; text-align:right; white-space:nowrap;">7.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:17.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-65</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The tax effects of temporary differences that give rise to significant portions of the deferred assets and liabilities consisted of the following (in thousands):</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:8pt;min-height:21.75pt;height:21.75pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Years Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Deferred tax assets: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Difference in basis of receivable portfolio </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">1</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">184</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net operating losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">50</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Difference in basis of depreciable and amortizable assets </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">14</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">20</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">15</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">254</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <font style="letter-spacing:-0.038pt;">Deferred tax liabilities: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Difference in basis of receivable portfolio </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(988<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(1,935<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Difference in basis of depreciable and amortizable assets </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(1,043<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(1,260<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0pt 0pt 0.5pt 0pt; width:316.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(2,031<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">(3,195<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:316.86pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Net deferred tax liabilities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">(2,016<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">(2,941<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:11.245pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="14">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:7.7pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2023, certain of the Company&#8217;s foreign subsidiaries had net operating loss carry forwards of approximately $198.9&#160;thousand, which were expected to be utilized over the next 24&#160;months at that time. As of December&#160;31, 2024, the Company has recognized all net operating loss carry forwards.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Valuation allowances are recorded against deferred tax assets if the Company believes it is more likely than not that some or all of a deferred tax asset will not be realized. In evaluating the need for a valuation allowance, the Company considered all available positive and negative evidence, including carryback availability, future reversals of existing taxable temporary differences, the Company&#8217;s recent earnings history, projected future taxable income, the overall business environment, and any applicable tax planning strategies. Based on this evaluation, management has determined that it is more likely than not that the deferred tax assets will be realized and, therefore, no valuation allowance have been recorded for fiscal&#160;years ended December&#160;31, 2024 and 2023.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company records uncertain tax positions in accordance with ASC 740 on the basis of a two-step process in which (1)&#160;the Company determines whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2)&#160;for those tax positions that meet the more-likely-than-not recognition threshold, the Company recognizes the largest amount of tax benefit that is more than 50&#160;percent likely to be realized upon ultimate settlement with the related tax authority. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs. The Company records interest and penalties related to income taxes in income tax expense.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2024 and 2023 the Company has not recorded any unrecognized tax benefits or related penalties and interest. Further, the Company does not expect any significant changes related to unrecognized tax benefits within the next 12&#160;months. In general, the Company is not subject to United States federal and state income tax examinations for&#160;years before 2020, to Canada tax examinations for&#160;years before 2020, and to United Kingdom tax examinations for&#160;years before 2017.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Reinvestment of Unremitted Earnings of Foreign Subsidiaries</font><font style="font-style:normal;font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company is subject to foreign withholding taxes upon the distribution of unremitted earnings of non-U.S. subsidiaries.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2024, the Company has evaluated its strategy regarding the reinvestment of unremitted earnings from its foreign subsidiaries. Substantially all of the Company&#8217;s earnings from its U.K. and one of its Colombian subsidiaries are not intended to be indefinitely reinvested offshore. Therefore, the tax effects of repatriation for applicable foreign withholding taxes of such cash earnings have been provided for in the </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-66</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:64.92pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:13.5pt;">
          <font style="letter-spacing:-0.038pt;">accompanying consolidated statement of operations. For the year ended December&#160;31, 2024 and 2023, the potential tax liability on the Company&#8217;s unremitted earnings is $0.0&#160;million.</font><font style="font-size:10pt;">&#8203;<font style="letter-spacing:-0.38pt;"> </font></font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">As of December&#160;31, 2024 and 2023, the unremitted earnings of all other foreign subsidiaries of the Company were approximately $92.9&#160;million and $78.1&#160;million, respectively. The Company intends for this amount to be indefinitely reinvested in its foreign operations; therefore, no deferred tax liabilities have been recorded for these unremitted earnings. These amounts will become taxable upon a future distribution of the earnings.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Management will continue to assess the Company&#8217;s reinvestment strategy and the related tax implications. Any changes in the Company&#8217;s intentions or ability to reinvest these earnings may result in the recognition of additional tax liabilities in future periods.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">13. Related Party Transactions</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">During the&#160;years ended December&#160;31, 2024 and 2023, the Company distributed $36.0&#160;million and $30.6&#160;million, respectively, to its owners.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">In February&#160;2023, Jefferson Capital Systems, LLC, one of the Company&#8217;s wholly owned indirect subsidiaries, entered into a participation agreement (the &#8220;Participation Agreement&#8221;) with HH Warehouse LLC (&#8220;HH Warehouse&#8221;), pursuant to which Jefferson Capital Systems, LLC sold a 26.75% beneficial ownership interest (the &#8220;Portfolio Interest&#8221;) in a portfolio of performing installment loans (the &#8220;Portfolio&#8221;) to HH Warehouse for $2.9&#160;million and agreed to administer the Portfolio and pay HH Warehouse a share of the collections proportionate to the size of the Portfolio Interest. In July&#160;2024, Jefferson Capital Systems, LLC entered into an amendment to the Participation Agreement with HH Warehouse, pursuant to which Jefferson Capital Systems, LLC repurchased the Portfolio Interest from HH Warehouse for $1.4&#160;million and assumed all rights and obligations related to the Portfolio Interest. Christopher Giles, a member of the Company&#8217;s board of directors, served as Vice President of HH Warehouse and held 12.86% of the membership interests in HH Warehouse at the time of such transactions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">Bryan Szemenyei, President of Canaccede, one of the Company&#8217;s wholly owned indirect subsidiaries, is the son of Andrew Szemenyei, a member of the Company&#8217;s board of directors, and has been employed by such subsidiary since the Company&#8217;s acquisition of Canaccede in March&#160;2020.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">14. Segment Reporting</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The Company&#8217;s operating segments are based on the Company&#8217;s geographies, which is how management monitors and assesses performance. The Company&#8217;s geographies are the United States, the United Kingdom, Canada, and Latin America. The Company&#8217;s Chief Operating Decision Maker (&#8220;CODM&#8221;) is the Chief Executive Officer. Assets are not reported by operating segment to the CODM.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">For the Company&#8217;s operating segments, the CODM uses net operating income to allocate resources (including employees, property, and financial or capital resources). Additionally, the Company prepares an annual budget at the segment level. The CODM considers budget-to-actual variances on a monthly basis for the profit or loss measure when making decisions about allocating capital and personnel to the segments. The CODM also uses segment operating income to assess the performance for each segment by comparing the results of each segment with one another and for determining the compensation of certain employees.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-67</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:237.01pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <div style="margin-top:12.5pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table provides segment measure of profit and loss, presenting Net operating income by each operating segment (in thousands), which is the measure that the CODM utilizes to determine resource and investment allocations:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:195.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="28">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Year Ended December&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:195.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">287,924</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">28,534</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">48,232</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">31,195</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">395,885</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">2,776</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,562</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">8,338</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">4,999</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">23,758</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">361</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">29,118</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Revenues</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">295,699</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">52,292</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">54,155</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">31,195</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">433,341</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Provision for credit losses</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">1,876</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,621</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">28,342</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">14,127</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,253</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">390</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">95,599</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">15,131</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,036</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">10,123</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">1,671</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">325</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">587</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">25</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">9,258</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">911</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">370</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">857</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Canaccede exit consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">7,738</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">4,809</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,432</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,154</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">439</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Net operating income</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">146,483</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,366</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">34,527</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">19,891</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">220,267</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Other Income (Expense):</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest Expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(77,239<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.333pt 0pt 1.417pt 0pt; width:195.8pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(5,474<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total Other Income (Expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(82,713<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Income Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">137,554</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-68</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:110pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Jefferson Capital Holdings, LLC. </font>
          <br >
          <font style="text-transform:uppercase;letter-spacing:-0.2pt;">Notes to Consolidated Financial Statements&#8201;(continued)</font>
        </div>
        <table style="width:456pt;margin-top:12.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:195.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:0pt;text-align:center;" colspan="28">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">For the Year Ended December&#160;31,</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">2023 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:195.8pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">States </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">United</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Kingdom </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Canada </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Latin</font>
                <br >
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">America </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:1.083pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="text-transform:uppercase;letter-spacing:0.4pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Total portfolio income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">207,005</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">24,177</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">44,870</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">17,522</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">293,574</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Credit card revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">3,113</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,707</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">8,820</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing revenue </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">4,004</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">16,481</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">193</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">20,678</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Total Revenues</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">214,122</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">40,658</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">50,770</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">17,522</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">323,072</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Provision for credit losses</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">2,106</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,418</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Salaries and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">19,355</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">11,752</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,299</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">121</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Servicing expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">70,397</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">14,138</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">8,177</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">8,984</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Depreciation and amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">1,330</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">288</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">742</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">12</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Professional fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">4,534</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">866</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">561</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">872</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Other selling, general and administrative </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">3,145</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,056</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,919</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">290</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Net Operating Income</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">112,596</td>
            <td style="padding:0pt;padding-left:1.135pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">11,558</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">32,655</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">7,243</td>
            <td style="padding:0pt;padding-left:0.484999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">164,051</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <font style="letter-spacing:0.475pt;">Other Income (Expense):</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:3pt 0pt 1.5pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:9.5pt;">
                <font style="letter-spacing:-0.038pt;">Interest Expense </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1.5pt 0pt; min-width:35.25pt; text-align:right; white-space:nowrap;">(48,108<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:1.333pt 0pt 1.417pt 0pt; width:195.8pt;white-space:normal;text-align:left;">
              <div style="margin-left:19pt; text-indent:-9.5pt;">
                <font style="letter-spacing:-0.038pt;">Foreign exchange and other income (expense) </font>
              </div>
            </td>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
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            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.333pt 0pt 1.417pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">4,641</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2.25pt 0pt; width:195.8pt;text-align:left;">
              <div style="margin-left:19pt;">
                <font style="letter-spacing:-0.038pt;">Total Other Income (Expense) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #CCEEFF; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">(43,467<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
            <td style="padding:2.75pt 0pt 3pt 0pt; width:195.8pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.475pt;">Income Before Income Taxes</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:35.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:6pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;padding-bottom:1.75pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:35.25pt; text-align:right; white-space:nowrap;">120,584</td>
            <td style="padding:0pt;padding-left:-0.739999999999998pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="height:7.5pt;line-height:7.5pt;">
            <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="32">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:11.5pt; width:456pt; line-height:11.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">15. Subsequent Events</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The Company has evaluated material events or transactions occurring after the consolidated balance sheet date through May&#160;5, 2025, the date the consolidated financial statements were issued or were available to be issued to determine whether any such events or transactions should be recognized or disclosed.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On March&#160;7, 2025, the Company paid a $16&#160;million distribution to its members.</font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On April&#160;29, 2025, the Company repurchased units from one of its unitholders at an aggregate purchase price of $1.25&#160;million.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">On May&#160;2, 2025, the Company issued $500&#160;million aggregate principal amount of 8.250% Senior Notes due 2030 in a private offering. The Company used a majority of the proceeds, net of fees, to pay down the outstanding balance under the Credit Facility, with any excess being used for general corporate purposes.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">There are no other events to disclose.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">F-69</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Helvetica, Arial, sans-serif;font-size:9pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:27.85pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 2pt; line-height: 0pt; border-bottom: 2pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:3.5pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 3.5pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:39pt; width:456pt; line-height:12pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">Through and including &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025 (the 25th day after the date of this prospectus), all dealers effecting transactions in these securities, whether or not participating in this offering, may be required to deliver a prospectus. This is in addition to the dealers&#8217; obligation to deliver a prospectus when acting as underwriters and with respect to their unsold allotments or subscriptions.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="margin-top:36pt; text-align:center; width:456pt; line-height:18.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:16pt;">
            <font style="letter-spacing:0.8pt;">10,000,000 Shares</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;font-size:9.5pt;">&#8203;<font style="letter-spacing:0.19pt;"> </font></font>
          </div>

        <div style="position:relative;margin-top:43.5pt; text-align:center; width:456pt;">
          <img src="lg_jeffersoncapitalreg-4c.jpg" alt="[MISSING IMAGE: lg_jeffersoncapitalreg-4c.jpg]" height="58" width="159" >
        </div>
        <div style="margin-top:42pt; text-align:center; width:456pt; line-height:18.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:16pt;">
          <font style="text-transform:uppercase;letter-spacing:0.8pt;">C</font><font style="letter-spacing:0.8pt;">ommon Stock</font><font style="font-weight:normal;text-transform:uppercase;font-family:Times New Roman, Times, serif ;letter-spacing:0.32pt;"> </font>
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        <div style="margin-top:63.667pt; text-align:center; width:456pt;">
          <div style="margin-left: 31.579%; margin-right: 31.579%; margin-top: 63.6666666666667pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:17pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12pt;">
          <font style="text-transform:uppercase;letter-spacing:0.6pt;">PRELIMINARY PROSPECTUS </font>
        </div>
        <div style="margin-top:10.833pt; text-align:center; width:456pt;">
          <div style="margin-left: 31.579%; margin-right: 31.579%; margin-top: 10.8333333333333pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:53pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">Lead Bookrunning Managers</div>
        <table style="width:456pt;height:35pt;margin-top:10.5pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:16pt;">
          <tr style="line-height:16pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:16pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 0.5pt 0pt; width:222pt;">
              <font style="letter-spacing:0.8pt;">Jefferies </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:11.5pt 0.5pt 0.5pt 0pt; width:222pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.8pt;">Keefe, Bruyette &amp; Woods</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:16pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:14pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:222pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0.167pt 0.5pt 0.5pt 0pt; width:222pt;text-align:right;">
              <div style="text-align:right;">A Stifel Company</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">Bookrunning Managers</div>
        <table style="width:456pt;margin-top:2.5pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:11pt;">
          <tr style="line-height:11pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:11pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 1pt 0pt; width:144pt;">
              <font style="letter-spacing:0.55pt;">Citizens Capital Markets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 1pt 0pt; width:144pt;text-align:center;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.55pt;">Raymond James</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:11.5pt 0.5pt 1pt 0pt; width:144pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.55pt;">Truist Securities</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-top:-9pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:11pt;">
          <tr style="line-height:11pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:11pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 1pt 0pt; width:100.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.55pt;">Capital One Securities</font>
              </div>
            </td>
            <td style="padding:0pt; width:25.28pt;">&#8203;</td>
            <td style="padding:0pt; width:25.28pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 1pt 0pt; width:62.34pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:0.55pt;">DNB Carnegie</font>
              </div>
            </td>
            <td style="padding:0pt; width:25.28pt;">&#8203;</td>
            <td style="padding:0pt; width:25.28pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 1pt 0pt; width:103.88pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:0.55pt;">Regions Securities LLC</font>
              </div>
            </td>
            <td style="padding:0pt; width:25.28pt;">&#8203;</td>
            <td style="padding:0pt; width:25.28pt;">&#8203;</td>
            <td style="padding:11.5pt 0.5pt 1pt 0pt; width:37.26pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.55pt;">Synovus</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:18pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">Co-Managers</div>
        <table style="width:456pt;margin-top:-0.5pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:11.5pt 0pt 1pt 0pt; width:222pt;">
              <font style="letter-spacing:0.5pt;">FHN Financial Securities Corp.</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:11.5pt 0.5pt 1pt 0pt; width:222pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.5pt;">ING</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:48pt; text-align:center; width:456pt; line-height:13.5pt;font-family:Arial, Helvetica, sans-serif;font-size:11pt;">
          <font style="letter-spacing:-0.418pt;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.22pt;"> </font>
        </div>
        <div style="margin-top:2.983pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 2.98333333333335pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:3.5pt; width:456pt;">
          <div style="margin-left: 0pt; width: 456pt; margin-top: 3.5pt; font-size: 2pt; line-height: 0pt; border-bottom: 2pt solid #000000; ">&#8203;</div>
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">PART II</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">INFORMATION NOT REQUIRED IN PROSPECTUS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:4pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Item&#160;13. Other Expenses of Issuance and Distribution</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">The following table sets forth the costs and expenses, other than the underwriting discounts and commissions, payable by the Registrant in connection with the offering and sale of the common stock being registered. All amounts shown are estimates except for the SEC registration fee, the Financial Industry Regulatory Authority, Inc. (&#8220;FINRA&#8221;) filing fee and the exchange listing fee.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:391.78pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt;text-align:center;" colspan="4">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Amount</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Paid or</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">to Be Paid </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">SEC registration fee </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">29,931 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">FINRA filing fee </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">29,825 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Exchange listing fee </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">295,000 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Printing and engraving expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">300,000 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Legal fees and expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">2,500,000 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Accounting fees and expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">1,573,456 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Blue sky fees and expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">40,000 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:3pt 0pt 1.5pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Transfer agent and registrar fees and expenses </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; min-width:42pt; text-align:right; white-space:nowrap;">8,000 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2.25pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:-0.038pt;">Miscellaneous expenses </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:6pt; text-align:right; ">&#8203;</td>
              <td style="padding:3pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:42pt; text-align:right; white-space:nowrap;">831,788 </td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:2.75pt 0pt 3pt 0pt; width:391.78pt;text-align:left;">
                <div style="white-space:nowrap;font-weight:normal;font-family:Arial, Helvetica, sans-serif;">
                  <font style="letter-spacing:-0.038pt;">Total </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:2.11pt;width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:6pt; text-align:right; ">$</td>
              <td style="padding:2.75pt 0pt 2.25pt 0pt;border-bottom:3pt double #000000; min-width:42pt; text-align:right; white-space:nowrap;">5,608,000</td>
              <td style="padding:0pt;padding-left:2.11pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="height:7.5pt;line-height:7.5pt;">
              <td style="padding:0pt;font-size:0pt;line-height:0pt;" colspan="8">&#8203;</td>
            </tr>
          </table>

        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.3pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">*</font>
          <br >
        </div>
        <div style=" margin-top:4.3pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">To be provided by amendment</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Item&#160;14. Indemnification of Directors and Officers</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Section&#160;145(a) of the General Corporation Law of the State of Delaware provides, in general, that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative (other than an action by or in the right of the corporation), because he or she is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys&#8217; fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by the person in connection with such action, suit or proceeding, if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the corporation and, with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Section&#160;145(b) of the General Corporation Law of the State of Delaware provides, in general, that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the corporation to procure a judgment in its favor because the person is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys&#8217; fees) actually and reasonably incurred by the person in connection with the defense or settlement of such action or suit if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the corporation, except that no indemnification shall be made with respect to any claim, issue or matter as to which he or she shall have been adjudged to be liable to the corporation unless and only to the extent that the Court of Chancery or other adjudicating court determines that, despite the adjudication of liability but in view of all of the circumstances of the case, he or she is fairly and reasonably entitled to indemnity for such expenses which the Court of Chancery or other adjudicating court shall deem proper.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.038pt;">Section&#160;145(g) of the General Corporation Law of the State of Delaware provides, in general, that a corporation may purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">II-1</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any liability asserted against such person and incurred by such person in any such capacity, or arising out of his or her status as such, whether or not the corporation would have the power to indemnify the person against such liability under Section&#160;145 of the General Corporation Law of the State of Delaware.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In connection with the sale of common stock being registered hereby, we will enter into indemnification agreements with each of our directors and our executive officers. These agreements will provide that we will indemnify each of our directors and such officers to the fullest extent permitted by law and our amended and restated certificate of incorporation and amended and restated bylaws.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We will also maintain a general liability insurance policy that will cover certain liabilities of directors and officers of our company arising out of claims based on acts or omissions in their capacities as directors or officers.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">In any underwriting agreement we enter into in connection with the sale of common stock being registered hereby, the underwriters will agree to indemnify, under certain conditions, us, our directors, our officers and persons who control us within the meaning of the Securities Act, against certain liabilities.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Item&#160;15. Recent Sales of Unregistered Securities</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">We have not sold any securities, registered or otherwise, within the past three&#160;years, other than the securities to be issued in connection with the Reorganization described in the prospectus that forms a part of this registration statement. Such issuances will be deemed to be exempt from registration under the Securities Act in reliance on Section&#160;4(a)(2) of the Securities Act. The recipients of securities will represent their intention to acquire the securities for investment only and not with a view to or for sale in connection with any distribution thereof, and appropriate legends will be affixed to the stock certificates.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Item&#160;16. Exhibits and Financial Statement Schedules</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style=" float:left; line-height:12pt; margin-top:1.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(a)</font>
          <br >
        </div>
        <div style=" margin-top:1.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">Exhibits</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">A list of exhibits required to be filed under this item is set forth on the Exhibit&#160;Index of this registration statement and is incorporated in this Item&#160;16(a) by reference.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">(b)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <font style="letter-spacing:-0.038pt;">Financial Statement Schedules.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Schedules not listed above have been omitted because the information required to be set forth therein is not applicable or is shown in the financial statements or notes thereto.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="letter-spacing:0.5pt;">Item&#160;17. Undertakings</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The undersigned Registrant hereby undertakes to provide to the underwriter at the closing specified in the underwriting agreements certificates in such denominations and registered in such names as required by the underwriter to permit prompt delivery to each purchaser.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the SEC, such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The undersigned Registrant hereby undertakes that:</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">(1)&nbsp;&nbsp;&nbsp;For purposes of determining any liability under the Securities Act, the information omitted from the form of prospectus filed as part of this Registration Statement in reliance upon Rule&#160;430A and contained in a </font>
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      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">II-2</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Helvetica, Arial, sans-serif;font-size:9pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:548.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">form of prospectus filed by the Registrant pursuant to Rule&#160;424(b)(1) or (4)&#160;or 497(h) under the Securities Act shall be deemed to be part of this Registration Statement as of the time it was declared effective.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:-0.038pt;">(2)&nbsp;&nbsp;&nbsp;For the purpose of determining any liability under the Securities Act, each post-effective amendment that contains a form of prospectus shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-family:Arial, Helvetica, sans-serif;">
          <font style="letter-spacing:-0.342pt;">II-3</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">INDEX TO EXHIBITS</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">The following exhibits are filed as part of this registration statement.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <table style="width:456pt;margin-top:10.5pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:33pt;">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Exhibit&#160;</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">No. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:411pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">1.1</font><font style="letter-spacing:-0.361pt;">*</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:411pt;">
                <font style="letter-spacing:-0.038pt;">Form of Underwriting Agreement.</font>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">3.1</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex3-1.htm">Certificate of Incorporation of Jefferson Capital, Inc., as in effect prior to the consummation of this offering.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">3.</font><font style="letter-spacing:-0.361pt;">2*</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <font style="letter-spacing:-0.038pt;">Form of Amended and Restated Certificate of Incorporation of Jefferson Capital, Inc., to be in effect upon completion of this offering. </font>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">3.</font><font style="letter-spacing:-0.361pt;">3* </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <font style="letter-spacing:-0.038pt;">Form of Amended and Restated Bylaws of Jefferson Capital, Inc., to be in effect upon completion of this offering. </font>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.1</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2530355d14_ex4-1.htm">Specimen Stock Certificate evidencing the shares of common stock.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:-0.038pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.2** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-2.htm">Indenture, dated as of August&#160;4, 2021, by and among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association (as successor in interest to U.S. Bank National Association), as trustee.</a>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.3** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-2.htm">Form of 6.000% Senior Notes due 2026 (included in Exhibit&#160;4.2).</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.4** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-4.htm">Indenture, dated as of February&#160;2, 2024, by and among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.5** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-4.htm">Form of 9.500% Senior Notes due 2029 (included in Exhibit&#160;4.4).</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.6** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-6.htm">Indenture, dated as of May&#160;2, 2025, by and among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.7** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-6.htm">Form of 8.250% Senior Notes due 2030 (included in Exhibit&#160;4.6).</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">4.8*</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <font style="letter-spacing:-0.038pt;">Form of Stockholders Agreement, to be in effect upon completion of this offering. </font>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="margin-left:5.8pt;letter-spacing:-0.361pt;">5.1</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex5-1.htm">Opinion of Latham &amp; Watkins LLP.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:-0.038pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.1** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex10-1.htm">Amendment No. 5, dated as of June 3, 2024, to Credit Agreement, dated as of May&#160;21, 2021, by and among CL Holdings, LLC, Jefferson Capital Systems, LLC, JC International Acquisition, LLC, the lenders party thereto and Citizens Bank, N.A., as administrative agent.</a>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:-0.038pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.2** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex10-2.htm">Amendment No. 6, dated as of November 13, 2024, to Credit Agreement, dated as of May 21, 2021, by and among CL Holdings, LLC, Jefferson Capital Systems, LLC, JC International Acquisition, LLC, the lenders party thereto and Citizens Bank, N.A., as administrative agent.</a>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:-0.038pt;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.3** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex10-3.htm">Asset Purchase Agreement, dated as of October&#160;2, 2024, by and among Jefferson Capital Systems,&#160;LLC, as Purchaser, Conn&#8217;s,&#160;Inc., Conn Appliances,&#160;Inc., Conn Credit Corporation,&#160;Inc., Conn Credit&#160;I,&#160;LP, CARF COL&#160;LLC, W.S. Badcock&#160;LLC, W.S. Badcock Credit&#160;LLC, and W.S.&#160;Badcock Credit&#160;I&#160;LLC, as Sellers.</a>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.4&#8224;</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-4.htm">JCAP Top</a><font style="letter-spacing:-0.361pt;"><a style="-sec-extract:exhibit" href="tm2430355d14_ex10-4.htm">C</a></font><a style="-sec-extract:exhibit" href="tm2430355d14_ex10-4.htm">o</a><font style="letter-spacing:-0.361pt;"><a style="-sec-extract:exhibit" href="tm2430355d14_ex10-4.htm">,</a></font> <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-4.htm">LLC 2018 Underlying Units Plan.</a></div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.5&#8224;</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-5.htm">Management Invest</a><font style="letter-spacing:-0.361pt;"><a style="-sec-extract:exhibit" href="tm2430355d14_ex10-5.htm">,</a></font> <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-5.htm">LLC 2018 Management Incentive Plan.</a></div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.6&#8224;** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex10-6.htm">Form of Management Incentive Units Award Agreement and Underlying Units Award Agreement.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.7&#8224;</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-7.htm">2025 Incentive Award Plan.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.8&#8224;</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="white-space:nowrap;letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-8.htm">Form of Restricted Stock Unit Grant Notice and Agreement under the 2025 Incentive Award Plan.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.9&#8224;</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-9.htm">Form of Stock Option Grant Notice and Agreement under the 2025 Incentive Award Plan.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.10&#8224;</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-10.htm">Form of Jefferson Capital, Inc. Restricted Stock Agreement.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.11&#8224;</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1.333pt 0pt 0.667pt 0pt; width:411pt;white-space:normal;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-11.htm">Amended and Restated Senior Management Agreement, dated as of March&#160;20, 2018, by and among CL Holdings, LLC, FMT Services, LLC and David Burton.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">10.12</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex10-12.htm">Form of Indemnification Agreement.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">21.1</font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex21-1.htm">List of Subsidiaries.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">23.1</font>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex5-1.htm">Consent of Latham &amp; Watkins LLP (included in Exhibit&#160;5.1).</a>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">II-4</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:490.4pt;margin-left:69.66pt;width:456pt;">

          <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:10.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:9.833pt 0pt 1.667pt 0pt; width:33pt;">
                <div style="text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Exhibit&#160;</font>
                  <br >
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">No. </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:411pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">23.2 </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:2.75pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex23-2.htm">Consent of Deloitte &amp; Touche LLP, as to Jefferson Capital, Inc.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">23.3 </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="tm2430355d14_ex23-3.htm">Consent of Deloitte &amp; Touche LLP, as to Jefferson Capital Holdings, LLC.</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">24.1** </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:3pt 0pt 1.5pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355-8_s1.htm#tPOA">Powers of Attorney (included in the signature pages to this registration statement).</a>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:9.5pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:33pt;">
                <font style="letter-spacing:-0.361pt;">107</font>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
              <td style="border-bottom:0.75pt solid #000000; ;padding:3pt 0pt 12pt 0pt; width:411pt;">
                <div style="letter-spacing:-0.038pt;">
                  <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex-filingfees.htm">Filing Fee Table.</a>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:0pt;">&#8203;</td>
            </tr>
          </table>

        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:4.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">*</font>
          <br >
        </div>
        <div style=" margin-top:4.5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">To be filed by amendment.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">&#8224;</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Indicates a management contract or compensatory plan.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.14pt;"> </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:8.3pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:7pt;">
          <font style="letter-spacing:-0.266pt;">**</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:8.3pt; text-align:left; margin-left:20pt;font-size:7pt;">
          <font style="letter-spacing:-0.028pt;">Previously filed.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:-0.361pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">II-5</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style=" width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tPOA">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:16pt; text-align:center; width:456pt; line-height:14.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:12.5pt;">
          <font style="letter-spacing:0.625pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.5pt;">SIGNATURES</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.2pt;"> </font>
        </div>

          <div style="text-indent:20pt; margin-top:18pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this</font><font style="letter-spacing:-0.361pt;"> </font><font style="letter-spacing:-0.038pt;">Amendment No. 2 to Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the city of Minneapolis, state of Minnesota on June </font><font style="letter-spacing:-0.361pt;">13, 2025.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>

        <div style="margin-left:240pt; margin-top:17pt; width:216pt; line-height:12pt;font-weight:bold;font-family:Arial Narrow, Helvetica, sans-serif;">
          <font style="letter-spacing:0.475pt;">Jefferson Capital, Inc.</font><font style="font-weight:normal;font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style=" float:left; margin-left:240pt; line-height:12pt; margin-top:24pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:-0.038pt;">By:</font>
          <br >
        </div>
        <div style=" margin-top:24pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:260pt;">
          <font style="letter-spacing:-0.038pt;">/s/ David Burton </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="white-space:nowrap; margin-left:260pt; margin-top:2.667pt; width:196pt;">
          <div style="margin-left: 0pt; width: 196pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-left:260pt; margin-top:3pt; width:196pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">David Burton</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>
        <div style="margin-left:260pt; margin-top:2.5pt; width:196pt; line-height:12pt;">
          <font style="letter-spacing:-0.038pt;">President and Chief Executive Officer</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
        </div>

          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:-0.038pt;">Pursuant to the requirements of the Securities Act of 1933, this Amendment No. 2 to Registration Statement has been signed by the following persons in the capacities and on the dates indicated.</font><font style="font-family:Times New Roman, Times, serif ;letter-spacing:0.19pt;"> </font>
          </div>


          <table style="width:456pt;height:354pt;margin-top:10.5pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:uppercase;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
            <tr style="line-height:8pt;min-height:21.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Arial Narrow, Helvetica, sans-serif;font-size:8pt;">
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:168pt;">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Signature </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:168pt;">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Title </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:11.5pt 0pt 2.5pt 0pt; width:96pt;">
                <div style="white-space:nowrap; text-align:center;">
                  <font style="text-transform:uppercase;letter-spacing:0.4pt;">Date </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;height:52.25pt; white-space:nowrap;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:18.583pt 0pt 0.5pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.038pt;">/s/ David Burton </font>
                </div>
                <div style="margin-top:2.667pt; text-align:justify;">
                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
                </div>
                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">David Burton </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:18.583pt 0pt 0.5pt 0pt; width:168pt;">
                <font style="letter-spacing:-0.038pt;">President and Chief Executive Officer</font>
                <br >
                <font style="letter-spacing:-0.361pt;">(</font><font style="font-style:italic;">Principal Executive Officer</font><font style="letter-spacing:-0.361pt;">) </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:18.583pt 0.5pt 0.5pt 0pt; width:96pt;text-align:right;">
                <div style="text-align:right;">
                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;height:51pt; white-space:nowrap;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:8.333pt 0pt 6.667pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.038pt;">/s/ Christo Realov </font>
                </div>
                <div style="margin-top:2.667pt; text-align:justify;">
                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
                </div>
                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">Christo Realov </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:168pt;">
                <font style="letter-spacing:-0.038pt;">Chief Financial Officer</font>
                <br >
                <font style="letter-spacing:-0.361pt;">(</font><font style="font-style:italic;">Principal Financial and Accounting </font>
                <br >
                <font style="font-style:italic;">Officer</font><font style="letter-spacing:-0.361pt;">) </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:96pt;text-align:right;">
                <div style="text-align:right;">
                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;height:41.5pt; white-space:nowrap;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:8.333pt 0pt 0.5pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.361pt;">* </font>
                </div>
                <div style="margin-top:2.667pt; text-align:justify;">
                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
                </div>
                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">Thomas Harding </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:168pt;">
                <font style="letter-spacing:-0.038pt;">Director </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:96pt;text-align:right;">
                <div style="text-align:right;">
                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;height:41.5pt; white-space:nowrap;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:8.333pt 0pt 0.5pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.361pt;">* </font>
                </div>
                <div style="margin-top:2.667pt; text-align:justify;">
                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
                </div>
                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">John Oros </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:168pt;">
                <font style="letter-spacing:-0.038pt;">Director </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:96pt;text-align:right;">
                <div style="text-align:right;">
                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;height:41.5pt; white-space:nowrap;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:8.333pt 0pt 0.5pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.361pt;">* </font>
                </div>
                <div style="margin-top:2.667pt; text-align:justify;">
                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
                </div>
                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">Thomas Lydon, Jr. </font>
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              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:168pt;">
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              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:96pt;text-align:right;">
                <div style="text-align:right;">
                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
                </div>
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              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;height:41.5pt; white-space:nowrap;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
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              <td style="padding:8.333pt 0pt 0.5pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.361pt;">* </font>
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                <div style="margin-top:2.667pt; text-align:justify;">
                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
                </div>
                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">Christopher Giles </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:168pt;">
                <font style="letter-spacing:-0.038pt;">Director </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:96pt;text-align:right;">
                <div style="text-align:right;">
                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:12pt;height:41.5pt; white-space:nowrap;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Arial, Helvetica, sans-serif;font-size:9.5pt;">
              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:8.333pt 0pt 0.5pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.361pt;">* </font>
                </div>
                <div style="margin-top:2.667pt; text-align:justify;">
                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
                </div>
                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">Ronald Vaske </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:168pt;">
                <font style="letter-spacing:-0.038pt;">Director </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:96pt;text-align:right;">
                <div style="text-align:right;">
                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
                </div>
              </td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
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              <td style="padding:0pt; width:0pt;">&#8203;</td>
              <td style="padding:8.333pt 0pt 0.5pt 0pt; width:168pt;white-space:normal;vertical-align:top;">
                <div>
                  <font style="letter-spacing:-0.361pt;">* </font>
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                  <div style="margin-left: 0pt; width: 168pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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                <div style="margin-top:3pt;">
                  <font style="letter-spacing:-0.038pt;">Beth Leonard </font>
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              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:168pt;">
                <font style="letter-spacing:-0.038pt;">Director </font>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:1px 0pt; width:96pt;text-align:right;">
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                  <font style="letter-spacing:-0.038pt;">June </font><font style="letter-spacing:-0.361pt;">13, 2025</font>
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              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
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              <font style="letter-spacing:-0.038pt;">/s/ David Burton</font>
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              <font style="letter-spacing:-0.038pt;">David Burton </font>
              <br >
              <font style="letter-spacing:-0.038pt;">Attorney-in-fact</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:11pt;font-size:9pt;">
          <font style="letter-spacing:-0.342pt;">II-6</font>
          <br >
        </div>
      </div>
      <hr >
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>tm2430355d14_ex3-1.htm
<DESCRIPTION>EXHIBIT 3.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><B>Exhibit 3.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>CERTIFICATE OF INCORPORATION</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>OF</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Jefferson
Capital,&nbsp;Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>FIRST</U></FONT>:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
name of the Company is Jefferson Capital,&nbsp;Inc.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>SECOND</U>:</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
address of the Company&rsquo;s registered office in the State of Delaware is 251 Little Falls Drive, Wilmington, County of New Castle,
Delaware 19808, and the name of its registered agent at such address is Corporation Service Company.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>THIRD</U>:</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
purpose of the Company is to engage in any lawful act or activity for which corporations may be organized under the General Corporation
Law of Delaware as it now exists or may hereafter be amended and supplemented.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>FOURTH</U>:</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
total number of shares of stock which the Company shall have authority to issue is 100 having a par value of $.01 per share. All such
shares are Common Stock.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>FIFTH</U></FONT>:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
name and mailing address of the incorporator is:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Matthew Pfohl</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">600 South Highway 169, Suite&nbsp;1575</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Minneapolis, Minnesota 55426</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><U>SIXTH</U>:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In
furtherance and not in limitation of the powers conferred by statute, the Board of Directors is expressly authorized to make, alter or
repeal the bylaws of the corporation.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><U>SEVENTH</U>:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
director of this corporation shall be personally liable to the corporation or its stockholders for monetary damages for breach of fiduciary
duty as a director, except for liability (i)&nbsp;for any breach of the director&rsquo;s duty of loyalty to the corporation or its stockholders,
(ii)&nbsp;for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law, (iii)&nbsp;under
Section&nbsp;174 of the General Corporation Law of the State of Delaware, or (iv)&nbsp;for any transaction from which the director derived
an improper personal benefit.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><U>EIGHTH</U>:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Election
of directors need not be by written ballot unless the bylaws of the corporation shall so provide.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">I, THE UNDERSIGNED, being the sole incorporator hereinbefore
named, for the purpose of forming a corporation pursuant to the General Corporation Law of the State of Delaware, do make this certificate,
herein declaring and certifying that this is my act and deed and the facts herein stated are true, and accordingly have hereunto set my
hand this 7<SUP>th</SUP> day of November, 2024.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid; font-size: 10pt">/s/ Matthew Pfohl</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 50%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 50%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Matthew Pfohl</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole Incorporator</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <!-- Field: /Page -->

<P STYLE="margin: 0"></P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>3
<FILENAME>tm2530355d14_ex4-1.htm
<DESCRIPTION>EXHIBIT 4.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit 4.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 90%">Number *0*</TD>
  <TD STYLE="width: 10%">Shares *0*</TD></TR>
</TABLE>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 67%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-size: 10pt">SEE REVERSE FOR IMPORTANT NOTICE</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">ON TRANSFER RESTRICTIONS</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">AND OTHER INFORMATION</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="text-align: center; width: 70%">THIS CERTIFICATE IS TRANSFERABLE</TD>
  <TD STYLE="text-align: center; width: 30%">CUSIP ___________</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">IN THE CITIES OF _________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Jefferson Capital,&nbsp;Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS CERTIFIES THAT **Specimen**
is the owner of **Zero (0)** fully paid and nonassessable shares of Class&nbsp;A Common Stock, $0.0001 par value per share, of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Jefferson Capital,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(the &ldquo;Company&rdquo;) transferable on the
books of the Company by the holder hereof in person or by its duly authorized attorney, upon surrender of this Certificate properly endorsed.
This Certificate and the shares represented hereby are issued and shall be held subject to all of the provisions of the Certificate of
Incorporation, as amended, and the Bylaws, as amended, of the Company (copies of which are on file with the Company and with the Transfer
Agent), to all of which each holder, by acceptance hereof, assents. This Certificate is not valid unless countersigned and registered
by the Transfer Agent and Registrar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the Company
has caused this Certificate to be executed on its behalf by its duly authorized officers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 50%">DATED: <U>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</U></TD>
  <TD STYLE="width: 50%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Countersigned and Registered:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 50%">Transfer Agent and Registrar</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 43%">&nbsp;</TD>
  <TD STYLE="width: 7%">(SEAL)</TD></TR>
<TR STYLE="vertical-align: top">
  <TD>&nbsp;</TD>
  <TD COLSPAN="2">David
Burton</TD></TR>
<TR STYLE="vertical-align: top">
  <TD>&nbsp;</TD>
  <TD COLSPAN="2">Chief Executive Officer</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 3%">By:</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 35%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 50%">&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
  <TD>&nbsp;</TD>
  <TD>Authorized Signature</TD>
    <TD>&nbsp;</TD>
  <TD>Matthew Pfohl</TD>
    </TR>
<TR STYLE="vertical-align: top">
  <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
  <TD>Chief Administrative Officer, General Counsel&nbsp;&amp;
Secretary</TD>
    </TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>IMPORTANT NOTICE</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase">The Company
will furnish without charge to each shareholder who so requests, a summary of the powers, designations, preferences and relative, participating,
optional or other special rights of each class of stock of the Company and the qualifications, limitations or restrictions of such preferences
and rights, and the variations in rights, preferences and limitations determined for each series, which are fixed by the Certificate of
Incorporation of the Company, as amended, and the resolutions of the Board of Directors of the Company, and the authority of the Board
of Directors to determine variations for future series. Such erquest may be made to the office of the Secretary of the Company or to the
Transfer Agent. The Board of Directors may require the owner of a lost or destroyed stock certificate, or his legal representatives, to
give the Company a bond to indemnify it and its transfer agents and registrats against any claim that may be made against them on account
of the alleged loss or destruction of any such certificate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following abbreviations, when used in the inscription
on the face of this Certificate, shall be construed as though they were written out in full according to applicable laws or regulations:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 94%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in">
<TR STYLE="vertical-align: top">
  <TD><FONT STYLE="font-size: 10pt">TEN COM</FONT></TD>
  <TD>-</TD>
  <TD>as tenants in common</TD>
    <TD>&nbsp;</TD>
  <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">UNIF GIFT MIN ACT_________ Custodian _________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 10%"><FONT STYLE="font-size: 10pt">TEN ENT</FONT></TD>
  <TD STYLE="width: 3%">-</TD>
  <TD STYLE="width: 30%">as
tenants by the entireties</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
  <TD STYLE="width: 10%">&nbsp;</TD>
  <TD STYLE="padding-left: 0.5in; width: 20%">(Custodian)</TD>
  <TD STYLE="padding-left: 0.125in; width: 17%"> (Minor)</TD></TR>
<TR STYLE="vertical-align: top">
  <TD><FONT STYLE="font-size: 10pt">JT TEN</FONT></TD>
  <TD>-</TD>
  <TD>as joint tenants with right of</TD>
    <TD>&nbsp;</TD>
  <TD COLSPAN="3">Under
the Uniform Gifts to Minors Act of _______________</TD></TR>
<TR STYLE="vertical-align: top">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD>survivorship and not as tenants in common </TD>
    <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD COLSPAN="2" STYLE="padding-left: 1.625in">(State)</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">FOR VALUE RECEIVED, ________________HEREBY SELLS, ASSIGNS AND
TRANSFERS UNTO _______________________________________________________________________________________________________________
(NAME&nbsp;&amp; ADDRESS,&nbsp;INCLUDING ZIP CODE&nbsp;&amp; SS# OR OTHER IDENTIFYING # OF ASSIGNEE)
____________________________________ (________________) shares of the Class&nbsp;A Common Stock represented by this Certificate and
does hereby irrevocably constitute and appoint _______________________________________ attorney to transfer the said shares on the
books of the within-named Company, with full power of substitution in the premises.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: _______________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 7%">Signature:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 43%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 7%">Signature:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 43%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 93%">NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif">THE NAME AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR,</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif">WITHOUT ALTERATION OR ENLARGEMENT OR ANY OTHER CHANGE.</TD>
    </TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SIGNATURE(S)&nbsp;GUARANTEED:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; white-space: nowrap; width: 50%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">THE SIGNATURE(S)&nbsp;MUST BE GUARANTEED
    BY AN ELIGIBLE</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; white-space: nowrap; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">GUARANTOR INSTITUTION (BANKS, STOCKBROKERS, SAVINGS
    AND</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP
    IN AN</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM),</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">PURSUANT TO S.E.C. RULE 17Ad-15</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>4
<FILENAME>tm2430355d14_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exhibit 5.1</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD ROWSPAN="20" STYLE="text-align: left; width: 60%; vertical-align: top">&nbsp;<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><IMG SRC="tm2430355d14_ex5-1img001.jpg" ALT=""></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">June&nbsp;13, 2025</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                               <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Jefferson Capital,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">600 South Highway 169, Suite&nbsp;1575</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Minneapolis, Minnesota 55426</P></TD>
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 25%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1271 Avenue of the Americas<BR>
New York, New York 10020-1401</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tel: +1.212.906.1200 Fax: +1.212.751.4864</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">www.lw.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FIRM / AFFILIATE OFFICES</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Austin</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Milan</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beijing</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Munich</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Boston</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">New York</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brussels</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Orange County</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Century City</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Paris</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chicago</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Riyadh</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dubai</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">San Diego</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">D&uuml;sseldorf</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">San Francisco</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frankfurt</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seoul</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hamburg</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Silicon Valley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hong Kong</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Singapore</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Houston</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tel Aviv</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">London</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tokyo</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Los Angeles</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Washington, D.C.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Madrid</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 5%; text-align: left">Re:</TD><TD STYLE="text-align: justify; width: 95%"><U>Registration No.&nbsp;333-287488<BR STYLE="clear: both">
11,500,000 shares of common stock, par value $0.0001 per share</U></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To the addressee set forth above:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have acted as special counsel
to Jefferson Capital,&nbsp;Inc., a Delaware corporation (the &ldquo;<B><I>Company</I></B>&rdquo;), in connection with the proposed issuance
of up to 11,500,000 shares (including shares subject to the underwriters&rsquo; option to purchase additional shares) of common stock,
$0.0001 par value per share (the &ldquo;<B><I>Shares</I></B>&rdquo;). The Shares are included in a registration statement on Form&nbsp;S&ndash;1
under the Securities Act of 1933, as amended (the &ldquo;<B><I>Act</I></B>&rdquo;), initially filed with the Securities and Exchange Commission
(the &ldquo;<B><I>Commission</I></B>&rdquo;) on May&nbsp;21, 2025 (Registration No.&nbsp;333&ndash;287488) (as amended, the &ldquo;<B><I>Registration
Statement</I></B>&rdquo;). The term &ldquo;Shares&rdquo; shall include any additional shares of common stock registered by the Company
pursuant to Rule&nbsp;462(b)&nbsp;under the Act in connection with the offering contemplated by the Registration Statement. This opinion
is being furnished in connection with the requirements of Item 601(b)(5)&nbsp;of Regulation S-K under the Act, and no opinion is expressed
herein as to any matter pertaining to the contents of the Registration Statement or related Prospectus, other than as expressly stated
herein with respect to the issue of the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As such counsel, we have examined
such matters of fact and questions of law as we have considered appropriate for purposes of this letter. With your consent, we have relied
upon certificates and other assurances of officers of the Company and others as to factual matters without having independently verified
such factual matters. We are opining herein as to the General Corporation Law of the State of Delaware (the &ldquo;<B><I>DGCL</I></B>&rdquo;),
and we express no opinion with respect to any other laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the foregoing and
the other matters set forth herein, it is our opinion that, as of the date hereof, when the Shares shall have been duly registered on
the books of the transfer agent and registrar therefor in the name or on behalf of the purchasers, and have been issued by the Company
against payment therefor (not less than par value) in the circumstances contemplated by the form of underwriting agreement most recently
filed as an exhibit to the Registration Statement, the issue and sale of the Shares will have been duly authorized by all necessary corporate
action of the Company, and the Shares will be validly issued, and the Shares will be fully paid and nonassessable. In rendering the foregoing
opinion, we have assumed that the Company will comply with all applicable notice requirements regarding uncertificated shares provided
in the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT><B>June&nbsp;13, 2025</B></FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT><B>Page&nbsp;2</B></FONT></P>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="tm2430355d14_ex5-1img002.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This opinion is for your benefit
in connection with the Registration Statement and may be relied upon by you and by persons entitled to rely upon it pursuant to the applicable
provisions of the Act. We consent to your filing this opinion as an exhibit to the Registration Statement and to the reference to our
firm in the Prospectus under the heading &ldquo;Legal Matters.&rdquo; We further consent to the incorporation by reference of this letter
and consent into any registration statement filed pursuant to Rule&nbsp;462(b)&nbsp;with respect to the Shares. In giving such consent,
we do not thereby admit that we are in the category of persons whose consent is required under Section&nbsp;7 of the Act or the rules&nbsp;and
regulations of the Commission thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Sincerely,</FONT></TD></TR>
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">/s/ Latham&nbsp;&amp; Watkins LLP</FONT></TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>5
<FILENAME>tm2430355d14_ex10-4.htm
<DESCRIPTION>EXHIBIT 10.4
<TEXT>
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<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; margin-top: 0pt; margin-bottom: 0pt"><B>Exhibit
10.4&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>JCAP TOPCO LLC</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>2018 UNDERLYING UNITS PLAN</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;I</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ESTABLISHMENT, DEFINITIONS AND PURPOSE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Establishment</U>.
JCAP Topco LLC, a Delaware limited liability company (the &ldquo;<B>Company</B>&rdquo;), is establishing this JCAP Topco LLC 2018 Underlying
Units Plan effective as of </FONT>March&nbsp;23, 2018 (as amended and restated, the &ldquo;<B>Plan</B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Definitions</U>.
Capitalized terms used but not otherwise defined herein shall have the meanings ascribed thereto in that certain the Second Amended
and Restated Limited Liability Company Agreement of the Company, effective as of August&nbsp;31, 2018, as may be </FONT>amended from
time to time, or any successor agreement thereto (the &ldquo;<B>Company Agreement</B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">1.3
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Purpose</U>. The Plan is intended to promote the
long-term growth and profitability of the Company by providing service providers who are or will be involved in the Company&rsquo;s
growth with an opportunity to acquire an ownership interest in the Company, thereby encouraging such persons to contribute to and
participate in the success of the Company. Under the Plan, the Board may, in its sole discretion, grant awards (each, an
 &ldquo;<B>Award</B>&rdquo;) of up to four <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">tranches of
Class B Units representing limited liability company interests in the Company (&ldquo;<B>Underlying Units</B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&rdquo;) <FONT STYLE="font-size: 10pt">to
Management Invest, LLC (the&nbsp;&nbsp;&ldquo;<B>Recipient</B>&rdquo;)&nbsp;&nbsp;in exchange </FONT></FONT>for certain management
services to or for the benefit of the Company and/or its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;II</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>AWARDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239; <U>Awards</U>. Subject
to the terms and conditions of this Plan and the Company Agreement, the Company shall be authorized to issue Underlying Units to the Recipient
pursuant to Section&nbsp;3.1, for such amounts as the Board shall determine in its sole discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;III</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ADMINISTRATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">3.1
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Administration</U>. The Board of Managers of the
Company (or a subcommittee thereof appointed to administer the Plan, which shall be treated as the &ldquo;<B>Board</B>&rdquo; for
purposes of the Plan) shall, subject to the provisions of this Plan and the Company Agreement, have the power and authority to
prescribe, amend and rescind rules&nbsp;and procedures governing the administration of the Plan, including, but not limited to the
full power and authority to (a)&nbsp;interpret the terms of the Plan, the terms of any Awards made under the Plan, and the
rules&nbsp;and procedures established by the Board governing any such Awards, (b)&nbsp;determine the rights of the Recipient under
the Plan, or the meaning of requirements imposed by the terms of the Plan or an Award, or any rule&nbsp;or procedure established by
the Board, (c)&nbsp;establish any vesting or other terms and conditions applicable to an Award, (d)&nbsp;impose such limitations,
restrictions and conditions upon, or in connection with, such Awards as it shall deem appropriate, (e)&nbsp;adopt, amend, and
rescind administrative guidelines and other rules&nbsp;and regulations relating to the Plan, (f)&nbsp;correct any defect or omission
or reconcile any inconsistency in the Plan and (g)&nbsp;make all other determinations and take all other actions necessary or
advisable for the implementation and administration of the Plan and Awards, subject to the Company Agreement and such limitations as
may be imposed by the Code or other applicable law. Each action of the Board (including each interpretation or other determination
of the Board) with respect to the Plan or any Awards made under the Plan shall be final, binding and conclusive on all persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;IV</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ELIGIBILITY AND AWARD AGREEMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">4.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Award Agreement</U>.
Awards granted under the Plan shall be evidenced by a JCAP Topco LLC Underlying Unit Grant Agreement executed by the Company and the Recipient
(the &ldquo;<B>Award Agreement</B>&rdquo;), in substantially the form attached hereto as <B><U>Exhibit&nbsp;A</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;V</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>GENERAL PROVISIONS</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">5.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Nature
of Awards</U>. Each Underlying Unit will be treated as a separate Profits Interest. The Underlying Units issued under this Plan
shall have a Distribution Threshold sufficient in the determination of the Board to cause such Underlying Units to be properly
treated as &ldquo;profits interest&rdquo; within the meaning of Rev. Proc. 93-27, 1993-2 C.B. 343 (such interest, a
 &ldquo;<B>Profits Interest</B>&rdquo;); <U>provided</U>, <U>however</U>, that in no event shall the Board, the Company or any
Affiliate of the Company (or their employees, agents, officers, directors, managers, successors or assigns) be liable to the
Recipient if the Underlying Units are not treated as Profits Interests for U.S. federal income tax purposes. Notwithstanding
anything to the contrary, distributions to the Recipient pursuant to Article&nbsp;VIII or Section&nbsp;8.1 of the Company Agreement
shall be limited to the extent necessary so that the Profits Interest of the Recipient qualifies as a &ldquo;profits interest&rdquo;
under Rev. Proc. 93-27, and the Plan, Award and Company Agreement shall be interpreted accordingly. In accordance with Rev. Proc.
2001-43, 2001-2 CB 191, the Company shall treat the Recipient as the owner of the Underlying Units underlying such Award from the
date the Award is granted, and shall file its IRS Form&nbsp;1065, and issue appropriate Schedule K-1s to the Recipient allocating to
the Recipient its distributive share of all items of income, gain, loss, deduction and credit associated with such Profits Interest
as if it were fully vested. The Recipient agrees to take into account such distributive share in computing its federal income tax
liability for the entire period during which it holds the Award and/or Underlying Units. The undertakings contained in this
Section&nbsp;5.1 shall be construed in accordance with Section&nbsp;4 of Rev. Proc. 2001-</FONT>43. The provisions of this
Section&nbsp;5.1 shall apply regardless of whether or not the Recipient files an election pursuant to Section&nbsp;83(b)&nbsp;of the
Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment;
Termination</U>. The Board may modify, amend, suspend or terminate the Plan in whole or in part at any time; provided, however, that such
modification, amendment, suspension or termination shall not, without the Recipient&rsquo;s consent, adversely affect the rights in any
material respect of a previously-made Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Governing
Law</U>. This Plan and each Award Agreement and all claims or causes of action or other matters (whether in contract, tort or
otherwise) that may be based upon, arise out of or relate to this Plan or any Award Agreement or the negotiation, execution or
performance of </FONT>this Plan or any Award Agreement shall be governed by and construed in accordance with the laws of the State
of Delaware, excluding any conflict- or choice-of-law rule&nbsp;or principle that might otherwise refer construction or
interpretation of this Plan to the substantive law of another jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Securities
Laws</U>. The Plan has been instituted by the Company to provide certain compensatory incentives to the Recipient and is intended to qualify
for an exemption from the registration requirements under the Securities Act and any other applicable state securities laws (the &ldquo;<B>Exemption</B>&rdquo;);
<U>provided</U>, <U>however</U>, that the Company makes no representation or warranty that the Exemption applies to the Awards, and in
no event shall the Board, the Company or any Affiliate of the Company (or their employees, agents, officers, directors, managers, successors
or assigns) be liable to the Recipient (other than to effect rescission or similar rights that may arise under applicable securities laws)
for any failure to comply with such Exemption. The Company may impose any restrictions or terms on any Awards or Underlying Units granted
pursuant to Awards and require the Recipient to make such representations, as the Company determines to be necessary to comply with the
Exemption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Section&nbsp;409A
Compliance</U>. It is the intention of the Company and the Board that Awards granted under the Plan not be subject to the provisions of
Section&nbsp;409A of the Code. To the extent an Award granted under the Plan is determined to be subject to the provisions of Section&nbsp;409A
of the Code, it is intended that the terms of the Company Agreement, the Plan and the Award Agreement applicable to such Award comply
with Section&nbsp;409A and they shall be interpreted in a manner consistent with such intent. Notwithstanding the foregoing, the Company
makes no representation or warranty that the Awards will not be subject to (or will comply with) Section&nbsp;409A of the Code, and in
no event shall the Board, the Company or any Affiliate of the Company (or their employees, agents, officers, directors, managers, successors
or assigns) be liable to the Recipient for any failure to comply with Section&nbsp;409A or an applicable exemption thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Guarantees Regarding Tax Treatment; No Tax Minimization Obligation</U>. Neither the Board nor the Company make any guarantees to any person
regarding the tax treatment of any Award or payments made with respect to any Award. Neither the Board nor the Company have any duty or
obligation to minimize the tax consequences of any Award, including, without limitation, tax consequences that may result from changes
to applicable law and none of the Board, the Company, any subsidiaries or affiliates of the Company, or any of their employees or representatives
shall have any liability to any person with respect to such tax consequences.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
The Recipient may be required to pay to the Company, and the Company shall have the right and is hereby authorized to withhold from any
payment due under any Award, the amount (in cash or, at the election of the Company, securities or other property) of any applicable federal,
state, local or foreign withholding taxes in respect of such payment and to take such other action as may be necessary in the opinion
of the Board, or such committee that may be appointed by and in the discretion of the Board, to satisfy all obligations for the payment
of withholding taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conflict
between the Plan and the Company Agreement</U>. The Plan is subject to the Company Agreement. In the event of a conflict between any
term or provision contained herein </FONT>and a term or provision of the Company Agreement, the applicable term and provision of the
Company Agreement will govern and prevail.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">* &#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*
 &#8239;&#8239;&#8239;&#8239;&#8239;*&#8239;&#8239;&#8239;&#8239;&#8239; * &#8239;&#8239;&#8239;&#8239;&#8239;*</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-10.5
<SEQUENCE>6
<FILENAME>tm2430355d14_ex10-5.htm
<DESCRIPTION>EXHIBIT 10.5
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.75in; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.75in; text-indent: 0.5in"><B>Exhibit
10.5</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.75in; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>MANAGEMENT INVEST, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>2018 MANAGEMENT
INCENTIVE PLAN</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;I</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ESTABLISHMENT, DEFINITIONS AND PURPOSE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">1.1
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Establishment</U>. Management Invest, LLC, a
Delaware limited liability company (the &ldquo;<B>Company</B>&rdquo;), is establishing this Management Invest, LLC 2018 Management
Incentive Plan effective as of March&nbsp;23, 2018 (as amended and restated, the &ldquo;<B>Plan</B>&rdquo;).</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Definitions</U>.
Capitalized terms used but not otherwise defined herein shall have the meanings ascribed thereto in that certain Limited Liability
Company Agreement of the Company, effective as of August&nbsp;31, 2018, as may be amended from time to time, or any successor
agreement thereto (the &ldquo;<B>Company Agreement</B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">1.3
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Purpose</U>. The Plan is intended to provide equity
incentives to employees and other Service Providers who are or will be involved in the Company&rsquo;s business and the business of
JCAP Topco LLC (the &ldquo;<B>Underlying Company</B>&rdquo;) and/or its Subsidiaries, as may be selected in the sole discretion of
the Manager (collectively, &ldquo;<B>Participants</B>&rdquo;). Under the Plan, the Manager may (a)&nbsp;grant awards (each, an
 &ldquo;<B>Award</B>&rdquo;) of Class&nbsp;B Units representing limited liability company interests in the Company
(&ldquo;<B>Management Incentive Units</B>&rdquo;) and (b)&nbsp;offer and sell (an &ldquo;<U>Offer</U>&rdquo;) Class&nbsp;A Units
representing limited liability company interests in the Company (&ldquo;<B>Class&nbsp;A Units</B>&rdquo;), in each case, to
Participants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;II</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>AWARDS, OFFERS AND SALES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Awards</U>.
Subject to the terms and conditions of this Plan and the Company Agreement, the Company shall be authorized to issue Management Incentive
Units to Participants designated by the Manager from time to time pursuant to Section&nbsp;3.1, in such amounts as the Manager shall determine
in its sole discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">2.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Offers
and Sales</U>. Subject to the terms and conditions of this Plan and the Company Agreement, the Company shall be authorized to issue Class&nbsp;A
Units to Participants designated by the Manager from time to time pursuant to Section&nbsp;3.1, in such amounts and at such value per
Class&nbsp;A Unit as the Manager shall determine in its sole discretion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;III</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ADMINISTRATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239; <U>Administration</U>.
The Manager shall, subject to the provisions of this Plan and the Company Agreement, have the power and authority to prescribe,
amend and rescind rules&nbsp;and procedures governing the administration of the Plan, including, but not limited to the full power
and authority to (a)&nbsp;interpret the terms of the Plan, the terms of any Awards or Offers made under the Plan, and the
rules&nbsp;and procedures established by the Manager governing any such Awards or Offers, (b)&nbsp;determine the rights of any
Participant under the Plan, or the meaning of requirements imposed by the terms of the Plan, an Award or Offers, or any rule&nbsp;or
procedure established by the Manager, (c)&nbsp;establish any vesting or other terms and conditions applicable to an Award or any
Offers, (d)&nbsp;impose such limitations, restrictions and conditions upon, or in connection with, such Awards or Offers as it shall
deem appropriate, (e)&nbsp;adopt, amend, and rescind administrative guidelines and other rules&nbsp;and regulations relating to the
Plan, (f)&nbsp;correct any defect or omission or reconcile any inconsistency in the Plan and (g)&nbsp;make all other determinations
and take all other actions necessary or advisable for the implementation and administration of the Plan, Awards and Offers, subject
to the Company Agreement and such limitations as may be imposed by the Code or other applicable law. Each action of the Manager
(including each interpretation or other determination of the Manager) with respect to the Plan, any Awards or any Offers made under
the Plan shall be final, binding and conclusive on all persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;IV</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ELIGIBILITY AND AWARD AGREEMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239; <U>Award Agreement</U>.
Awards granted under the Plan shall be evidenced by a Management Invest, LLC Management Incentive Unit Grant Agreement executed by the
Company and the Participant (the &ldquo;<B>Award Agreement</B>&rdquo;), in substantially the form attached hereto as <B><U>Exhibit&nbsp;A</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239; <U>Unit Purchase Agreement</U>.
Class&nbsp;A Units purchased and sold under the Plan shall be evidenced by a Unit Purchase Agreement executed by the Company and the Participant
(the &ldquo;<B>Unit Purchase Agreement</B>&rdquo;), in substantially the form attached hereto as <B><U>Exhibit&nbsp;B</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ARTICLE&nbsp;V</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>GENERAL PROVISIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239; <U>Nature of Awards</U>.
Each Management Incentive Unit will be treated as a separate Profits Interest within the meaning of Rev. Proc. 93-27, 1993-2 C.B. 343
(such interest, a &ldquo;<B>Profits Interest</B>&rdquo;); <U>provided</U>, <U>however</U>, that in no event shall the Manager, the Company
or any Affiliate of the Company (or their employees, agents, officers, directors, managers, successors or assigns) be liable to any Participant
if the Management Incentive Units are not treated as Profits Interests for U.S. federal income tax purposes. Notwithstanding anything
to the contrary, distributions to a Participant pursuant to Article&nbsp;VII or Section&nbsp;7.01 of the Company Agreement shall be limited
to the extent necessary so that the Profits Interest of such Participant qualifies as a &ldquo;profits interest&rdquo; under Rev. Proc.
93-27, and the Plan, Award and Company Agreement shall be interpreted accordingly. In accordance with Rev. Proc. 2001-43, 2001-2 CB 191,
the Company shall treat a Participant holding an Award as the owner of the Management Incentive Units underlying such Award from the date
the Award is granted, and shall file its IRS Form&nbsp;1065, and issue appropriate Schedule K-1s to such Participant allocating to such
Participant its distributive share of all items of income, gain, loss, deduction and credit associated with such Profits Interest as if
it were fully vested. Each Participant agrees to take into account such distributive share in computing its federal income tax liability
for the entire period during which it holds the Award and/or Management Incentive Units. The undertakings contained in this Section&nbsp;5.1
shall be construed in accordance with Section&nbsp;4 of Rev. Proc. 2001-43. The provisions of this Section&nbsp;5.1 shall apply regardless
of whether or not the Participant files an election pursuant to Section&nbsp;83(b)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment;
Termination</U>. The Manager may modify, amend, suspend or terminate the Plan in whole or in part at any time; provided, however, that
such modification, amendment, suspension or termination shall not, without a Participant&rsquo;s consent, adversely affect the rights
in any material respect of a previously-made Award or previously-issued Class&nbsp;A Unit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law</U>. This Plan, each Award Agreement and each Unit Purchase Agreement and all claims or causes of action or other matters (whether
in contract, tort or otherwise) that may be based upon, arise out of or relate to this Plan, any Award Agreement, any Unit Purchase Agreement
or the negotiation, execution or performance of this Plan, any Award Agreement or any Unit Purchase Agreement shall be governed by and
construed in accordance with the laws of the State of Delaware, excluding any conflict- or choice-of-law rule&nbsp;or principle that might
otherwise refer construction or interpretation of this Plan to the substantive law of another jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Securities
Laws</U>. The Plan has been instituted by the Company to provide certain compensatory incentives to Participants and is intended to qualify
for an exemption from the registration requirements under the Securities Act and any other applicable state securities laws (the &ldquo;<B>Exemption</B>&rdquo;);
<U>provided</U>, <U>however</U>, that the Company makes no representation or warranty that the Exemption applies to the Awards or the
Offers and in no event shall the Manager, the Company or any Affiliate of the Company (or their employees, agents, officers, directors,
managers, successors or assigns) be liable to any Participant (other than to effect rescission or similar rights that may arise under
applicable securities laws) for any failure to comply with such Exemption. The Company may impose any restrictions or terms on any Awards,
Offers, Management Incentive Units or Class&nbsp;A Units granted pursuant to Awards or Unit Purchase Agreements and require Participants
to make such representations, as the Company determines to be necessary to comply with the Exemption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.25in; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">5.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Section&nbsp;409A
Compliance</U>. It is the intention of the Company and the Manager that Awards granted under the Plan not be subject to the provisions
of Section&nbsp;409A of the Code. To the extent an Award granted under the Plan is determined to be subject to the provisions of Section&nbsp;409A
of the Code, it is intended that the terms of the Company Agreement, the Plan and the Award Agreement applicable to such Award comply
with Section&nbsp;409A and they shall be interpreted in a manner consistent with such intent. Notwithstanding the foregoing, the Company
makes no representation or warranty that the Awards will not be subject to (or will comply with) Section&nbsp;409A of the Code, and in
no event shall the Manager, the Company or any Affiliate of the Company (or their employees, agents, officers, directors, managers, successors
or assigns) be liable to any Participant for any failure to comply with Section&nbsp;409A or an applicable exemption thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">5.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Guarantees Regarding Tax Treatment; No Tax Minimization Obligation</U>. Neither the Manager nor the Company make any guarantees to any
person regarding the tax treatment of any Award, purchase of Class&nbsp;A Units or payments made with respect to any Award or Offer. Neither
the Manager nor the Company have any duty or obligation to minimize the tax consequences of any Award or purchase of Class&nbsp;A Units
including, without limitation, tax consequences that may result from changes to applicable law and none of the Manager, the Company, any
subsidiaries or affiliates of the Company, or any of their employees or representatives shall have any liability to any person with respect
to such tax consequences.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
A Participant may be required to pay to the Company, and the Company shall have the right and is hereby authorized to withhold from any
payment due under any Award, the amount (in cash or, at the election of the Company, securities or other property) of any applicable federal,
state, local or foreign withholding taxes in respect of such payment and to take such other action as may be necessary in the opinion
of the Manager to satisfy all obligations for the payment of withholding taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Conflict
between the Plan and the Company Agreement</U>. The Plan is subject to the Company Agreement. In the event of a conflict between any term
or provision contained herein and a term or provision of the Company Agreement, the applicable term and provision of the Company Agreement
will govern and prevail.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*&#8239;&#8239;&#8239;&#8239;&#8239;*
 &#8239;&#8239;&#8239;&#8239;&#8239;* &#8239;&#8239;&#8239;&#8239;&#8239;*&#8239;&#8239;&#8239;&#8239;&#8239; *</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.7
<SEQUENCE>7
<FILENAME>tm2430355d14_ex10-7.htm
<DESCRIPTION>EXHIBIT 10.7
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.7</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</P>

<P STYLE="border-right: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-left: Black 1pt solid"><FONT STYLE="font-variant: small-caps"><B>JEFFERSON
CAPITAL,&nbsp;INC.</B></FONT></P>

<P STYLE="border-right: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-left: Black 1pt solid">&nbsp;</P>

<P STYLE="border-right: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-left: Black 1pt solid"><FONT STYLE="font-variant: small-caps"><B>2025
INCENTIVE AWARD PLAN</B></FONT></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-left: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;I.<BR>
Purpose</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Plan&rsquo;s purpose is
to enhance the Company&rsquo;s ability to attract, retain and motivate persons who make (or are expected to make) important contributions
to the Company by providing these individuals with equity ownership opportunities and/or equity-linked compensatory opportunities. Capitalized
terms used in the Plan are defined in Article&nbsp;XI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;II.<BR>
Eligibility</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Service Providers are eligible
to be granted Awards under the Plan, subject to the limitations described herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;III.<BR>
Administration and Delegation</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Administration</U>.
The Plan is administered by the Administrator. The Administrator has authority to determine which Service Providers receive Awards, grant
Awards and set Award terms and conditions, subject to the conditions and limitations in the Plan. The Administrator also has the authority
to take all actions and make all determinations under the Plan, to interpret the Plan and Award Agreements and to adopt, amend and repeal
Plan administrative rules, guidelines and practices as it deems advisable. The Administrator may correct defects and ambiguities, supply
omissions and reconcile inconsistencies in the Plan or any Award Agreement as it deems necessary or appropriate to administer the Plan
and any Awards. The Administrator&rsquo;s determinations under the Plan are in its sole discretion and will be final and binding on all
persons having or claiming any interest in the Plan or any Award.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Appointment
of Committees</U>. To the extent Applicable Laws permit, the Board or the Administrator may delegate any or all of its powers under the
Plan to one or more Committees or one or more committees of directors or officers of the Company or any of its Subsidiaries; <U>provided</U>,
<U>however</U>, that in no event shall an officer of the Company be delegated the authority to grant Awards to, or amend Awards held by,
the following individuals: (a)&nbsp;individuals who are subject to Section&nbsp;16 of the Exchange Act, or (b)&nbsp;officers of the Company
(or Directors) to whom authority to grant or amend Awards has been delegated hereunder. The Board or the Administrator, as applicable,
may rescind any such delegation, abolish any such Committee or committee and/or re-vest in itself any previously delegated authority at
any time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>ARTICLE&nbsp;IV.</B></FONT><B><FONT STYLE="text-transform: uppercase"><BR>
STOCK Available for Awards</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Number
of Shares</U>. Subject to adjustment under Article&nbsp;VIII and the terms of this Article&nbsp;IV, the maximum number of Shares that
may be issued pursuant to Awards under the Plan shall be equal to the Overall Share Limit. Shares issued under the Plan may consist of
authorized but unissued Shares, Shares purchased on the open market or treasury Shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Share
Recycling</U>. If all or any part of an Award expires, lapses or is terminated, exchanged for or settled in cash, surrendered, repurchased,
canceled without having been fully exercised or forfeited, in any case, in a manner that results in the Company acquiring Shares covered
by the Award at a price not greater than the price (as adjusted to reflect any Equity Restructuring) paid by the Participant for such
Shares or not issuing any Shares covered by the Award, the unused Shares covered by the Award will, as applicable, become or again be
available for Award grants under the Plan. In addition, Shares delivered (either by actual delivery or attestation) to the Company by
a Participant to satisfy the applicable exercise or purchase price of an Award and/or to satisfy any applicable tax withholding obligation
with respect to an Award (including Shares retained by the Company from the Award being exercised or purchased and/or creating the tax
obligation) will, as applicable, become or again be available for Award grants under the Plan. The payment of Dividend Equivalents in
cash in conjunction with any outstanding Awards shall not count against the Overall Share Limit. Notwithstanding anything to the contrary
contained herein, the following Shares shall not be added to the Shares authorized for grant under Section&nbsp;4.1 and shall not be available
for future grants of Awards: (i)&nbsp;Shares subject to a Stock Appreciation Right that are not issued in connection with the stock settlement
of the Stock Appreciation Right on exercise thereof; and (ii)&nbsp;Shares purchased on the open market by the Company with the cash proceeds
from the exercise of Options.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Incentive
Stock Option Limitations</U>. Notwithstanding anything to the contrary herein, no more than [&nbsp;<FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>1</SUP></FONT>Shares
may be issued pursuant to the exercise of Incentive Stock Options.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Substitute
Awards</U>. In connection with an entity&rsquo;s merger or consolidation with the Company or the Company&rsquo;s acquisition of an entity&rsquo;s
property or stock, the Administrator may grant Awards in substitution for any options or other stock or stock-based awards granted before
such merger or consolidation by such entity or its affiliate. Substitute Awards may be granted on such terms as the Administrator deems
appropriate, notwithstanding limitations on Awards in the Plan. Substitute Awards will not count against the Overall Share Limit (nor
shall Shares subject to a Substitute Award be added to the Shares available for Awards under the Plan as provided above), except that
Shares acquired by exercise of substitute Incentive Stock Options will count against the maximum number of Shares that may be issued pursuant
to the exercise of Incentive Stock Options under the Plan. Additionally, in the event that a company acquired by the Company or any Subsidiary
or with which the Company or any Subsidiary combines has shares available under a pre-existing plan approved by stockholders and not adopted
in contemplation of such acquisition or combination, the shares available for grant pursuant to the terms of such pre-existing plan (as
adjusted, to the extent appropriate, using the exchange ratio or other adjustment or valuation ratio or formula used in such acquisition
or combination to determine the consideration payable to the holders of shares of the entities party to such acquisition or combination)
may be used for Awards under the Plan and shall not reduce the Shares authorized for grant under the Plan (and Shares subject to such
Awards shall not be added to the Shares available for Awards under the Plan as provided above); provided that Awards using such available
shares shall not be made after the date awards or grants could have been made under the terms of the pre-existing plan, absent the acquisition
or combination, and shall only be made to individuals who were not Employees, Consultants or Directors prior to such acquisition or combination.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Non-Employee
Director Compensation</U>. Notwithstanding any provision to the contrary in the Plan, the Administrator may establish compensation for
non-employee Directors from time to time, subject to the limitations in the Plan and the requirements of Applicable Law and/or pursuant
to a written nondiscretionary formula established by the Administrator (the &ldquo;<U>Non-Employee Director Equity Compensation Policy</U>&rdquo;).
The sum of any cash compensation, or other compensation, and the value (determined as of the grant date in accordance with Financial Accounting
Standards Board Accounting Standards Codification Topic 718, or any successor thereto) of Awards granted to a non-employee Director as
compensation for services as a non-employee Director during any fiscal year of the Company may not exceed $1,000,000 (the &ldquo;<B><I>Director
Limit</I></B>&rdquo;). The Administrator may make exceptions to the Director Limit in extraordinary circumstances, as the Administrator
may determine in its discretion, provided that the non-employee Director receiving such additional compensation may not participate in
the decision to award such compensation or in other contemporaneous compensation decisions involving non-employee Directors.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>1</SUP></FONT>
Note to Draft: To be a number of shares equal to ten times (10X) the initial share reserve.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;V.<BR>
STOCK Options and STOCK Appreciation Rights</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>General</U>.
The Administrator may grant Options or Stock Appreciation Rights to Service Providers subject to the limitations in the Plan, including
any limitations in the Plan that apply to Incentive Stock Options. A Stock Appreciation Right will entitle the Participant (or other person
entitled to exercise the Stock Appreciation Right) to receive from the Company upon exercise of the exercisable portion of the Stock Appreciation
Right an amount determined by multiplying the excess, if any, of the Fair Market Value of one share on the date of exercise over the exercise
price per share of the Stock Appreciation Right by the number of Shares with respect to which the Stock Appreciation Right is exercised,
subject to any limitations of the Plan or that the Administrator may impose and payable in cash, Shares valued at Fair Market Value or
a combination of the two as the Administrator may determine or provide in the Award Agreement.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Exercise
Price</U>. The Administrator will establish each Option&rsquo;s and Stock Appreciation Right&rsquo;s exercise price and specify the exercise
price in the Award Agreement. The exercise price will not be less than 100% of the Fair Market Value on the grant date of the Option (subject
to Section&nbsp;5.6) or Stock Appreciation Right. Notwithstanding the foregoing, in the case of an Option or a Stock Appreciation Right
that is a Substitute Award, the exercise price per share of the Shares subject to such Option or Stock Appreciation Right, as applicable,
may be less than the Fair Market Value per share on the date of grant; <U>provided</U> that the exercise price of any Substitute Award
shall be determined in accordance with the applicable requirements of Sections&nbsp;424 and 409A of the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Duration</U>.
Each Option or Stock Appreciation Right will be exercisable at such times and as specified in the Award Agreement, provided that, subject
to Section&nbsp;5.6, the term of an Option or Stock Appreciation Right will not exceed ten years. Notwithstanding the foregoing and unless
determined otherwise by the Company, in the event that on the last business day of the term of an Option or Stock Appreciation Right (other
than an Incentive Stock Option) (i)&nbsp;the exercise of the Option or Stock Appreciation Right is prohibited by Applicable Law, as determined
by the Company, or (ii)&nbsp;Shares may not be purchased or sold by the applicable Participant due to any Company insider trading policy
(including blackout periods) or a &ldquo;lock-up&rdquo; agreement undertaken in connection with an issuance of securities by the Company,
the term of the Option or Stock Appreciation Right shall be extended until the date that is 30 days after the end of the legal prohibition,
black-out period or lock-up agreement, as determined by the Company; <U>provided</U>, <U>however</U>, in no event shall the extension
last beyond the ten year term of the applicable Option or Stock Appreciation Right. Unless otherwise determined by the Administrator in
the Award Agreement or by action of the Administrator following the grant of the Option or Stock Appreciation Right, (i)&nbsp;no portion
of an Option or Stock Appreciation Right which is unexercisable at a Participant&rsquo;s Termination of Service shall thereafter become
exercisable and (ii)&nbsp;the portion of an Option or Stock Appreciation Right that is unexercisable at a Participant&rsquo;s Termination
of Service shall automatically expire thirty (30) days following such Termination of Service. Notwithstanding the foregoing, to the extent
permitted under Applicable Laws, if the Participant, prior to the end of the term of an Option or Stock Appreciation Right, violates the
non-competition, non-solicitation, confidentiality or other similar restrictive covenant provisions of any employment contract, confidentiality
and nondisclosure agreement or other agreement between the Participant and the Company or any of its Subsidiaries, the right of the Participant
and the Participant&rsquo;s transferees to exercise any Option or Stock Appreciation Right issued to the Participant shall terminate immediately
upon such violation, unless the Company otherwise determines.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Exercise</U>.
Options and Stock Appreciation Rights may be exercised by delivering to the Company a written notice of exercise, in a form the Administrator
approves (which may be electronic), signed by the person authorized to exercise the Option or Stock Appreciation Right, together with,
as applicable, payment in full (i)&nbsp;as specified in Section&nbsp;5.5 for the number of Shares for which the Award is exercised and
(ii)&nbsp;as specified in Section&nbsp;9.5 for any applicable taxes. Unless the Administrator otherwise determines, an Option or Stock
Appreciation Right may not be exercised for a fraction of a Share.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Payment
Upon Exercise</U>. Subject to Section&nbsp;10.8, any Company insider trading policy (including blackout periods) and Applicable Laws,
the exercise price of an Option must be paid by:</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">cash,
wire transfer of immediately available funds or by check payable to the order of the Company, provided that the Company may limit the
use of one of the foregoing payment forms if one or more of the payment forms below is permitted;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">if
there is a public market for Shares at the time of exercise, unless the Company otherwise determines, (A)&nbsp;delivery (including electronically
or telephonically to the extent permitted by the Company) of an irrevocable and unconditional undertaking by a broker acceptable to the
Company to deliver promptly to the Company sufficient funds to pay the exercise price, or (B)&nbsp;the Participant&rsquo;s delivery to
the Company of a copy of irrevocable and unconditional instructions to a broker acceptable to the Company to deliver promptly to the Company
cash or a check sufficient to pay the exercise price; provided that such amount is paid to the Company at such time as may be required
by the Administrator;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">to
the extent permitted by the Administrator, delivery (either by actual delivery or attestation) of Shares owned by the Participant valued
at their Fair Market Value;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">to
the extent permitted by the Administrator, surrendering Shares then issuable upon the Option&rsquo;s exercise valued at their Fair Market
Value on the exercise date;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">to
the extent permitted by the Administrator, delivery of a promissory note or any other property that the Administrator determines is good
and valuable consideration; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">to
the extent permitted by the Company, any combination of the above payment forms approved by the Administrator.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Additional
Terms of Incentive Stock Options</U>. The Administrator may grant Incentive Stock Options only to employees of the Company, any of its
present or future parent or subsidiary corporations, as defined in Sections&nbsp;424(e)&nbsp;or (f)&nbsp;of the Code, respectively, and
any other entities the employees of which are eligible to receive Incentive Stock Options under the Code. If an Incentive Stock Option
is granted to a Greater Than 10% Stockholder, the exercise price will not be less than 110% of the Fair Market Value on the Option&rsquo;s
grant date, and the term of the Option will not exceed five years. All Incentive Stock Options will be subject to and construed consistently
with Section&nbsp;422 of the Code. By accepting an Incentive Stock Option, the Participant agrees to give prompt notice to the Company
of dispositions or other transfers (other than in connection with a Change in Control) of Shares acquired under the Option made within
(i)&nbsp;two years from the grant date of the Option or (ii)&nbsp;one year after the transfer of such Shares to the Participant, specifying
the date of the disposition or other transfer and the amount the Participant realized, in cash, other property, assumption of indebtedness
or other consideration, in such disposition or other transfer. Neither the Company nor the Administrator will be liable to a Participant,
or any other party, if an Incentive Stock Option fails or ceases to qualify as an &ldquo;incentive stock option&rdquo; under Section&nbsp;422
of the Code. Any Incentive Stock Option or portion thereof that fails to qualify as an &ldquo;incentive stock option&rdquo; under Section&nbsp;422
of the Code for any reason, including becoming exercisable with respect to Shares having a fair market value exceeding the $100,000 limitation
under Treasury Regulation Section&nbsp;1.422-4, will be a Non-Qualified Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;VI.<BR>
Restricted Stock; Restricted Stock Units</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>General</U>.
The Administrator may grant Restricted Stock, or the right to purchase Restricted Stock, to any Service Provider, subject to the Company&rsquo;s
right to repurchase all or part of such Shares at their issue price or other stated or formula price from the Participant (or to require
forfeiture of such Shares) if conditions the Administrator specifies in the Award Agreement are not satisfied before the end of the applicable
restriction period or periods that the Administrator establishes for such Award. In addition, the Administrator may grant to Service Providers
Restricted Stock Units, which may be subject to vesting and forfeiture conditions during the applicable restriction period or periods,
as set forth in an Award Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Restricted
Stock</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Rights
as Stockholders</U>. Subject to the Company&rsquo;s right of repurchase as described above, upon issuance of Restricted Stock, the Participant
shall have, unless otherwise provided by the Administrator, all of the rights of a stockholder with respect to said Shares, subject to
the restrictions in the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Dividends</U>.
Participants holding Restricted Stock will be entitled to all ordinary cash dividends paid with respect to such Shares, unless the Administrator
provides otherwise in the Award Agreement. In addition, unless the Administrator provides otherwise, if any dividends or distributions
are paid in Shares, or consist of a dividend or distribution to holders of Shares of property other than an ordinary cash dividend, the
Shares or other property will be subject to the same restrictions on transferability and forfeitability as the Restricted Stock with respect
to which they were paid.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Stock
Certificates</U>. The Company may require that the Participant deposit in escrow with the Company (or its designee) any stock certificates
issued in respect of Restricted Stock, together with a stock power endorsed in blank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Restricted
Stock Units.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Settlement</U>.
The Administrator may provide that settlement of Restricted Stock Units will occur upon or as soon as reasonably practicable after the
Restricted Stock Units vest or will instead be deferred, on a mandatory basis or at the Participant&rsquo;s election, in a manner intended
to comply with Section&nbsp;409A.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Stockholder
Rights</U>. A Participant will have no rights of a stockholder with respect to Shares subject to any Restricted Stock Unit unless and
until the Shares are delivered in settlement of the Restricted Stock Unit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;VII.<BR>
Other Stock or Cash Based Awards; DIVIDEND EQUIVALENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Other
Stock or Cash Based Awards</U>. Other Stock or Cash Based Awards may be granted to Participants, including Awards entitling Participants
to receive Shares to be delivered in the future and including annual or other periodic or long-term cash bonus awards (whether based on
specified Performance Criteria or otherwise), in each case subject to any conditions and limitations in the Plan. Such Other Stock or
Cash Based Awards will also be available as a payment form in the settlement of other Awards, as standalone payments and as payment in
lieu of compensation to which a Participant is otherwise entitled. Other Stock or Cash Based Awards may be paid in Shares, cash or other
property, as the Administrator determines.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Dividend
Equivalents</U>. A grant of Restricted Stock Units or Other Stock or Cash Based Award may provide a Participant with the right to receive
Dividend Equivalents, and no Dividend Equivalents shall be payable with respect to Options or Stock Appreciation Rights. Dividend Equivalents
may be paid currently or credited to an account for the Participant, settled in cash or Stocks and subject to the same restrictions on
transferability and forfeitability as the Award with to which the Dividend Equivalents are paid and subject to other terms and conditions
as set forth in the Award Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;VIII.<BR>
Adjustments for Changes in COMMON STOCK<BR>
and Certain Other Events</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Equity
Restructuring</U>. In connection with any Equity Restructuring, notwithstanding anything to the contrary in this Article&nbsp;VIII, the
Administrator will equitably adjust each outstanding Award as it deems appropriate to reflect the Equity Restructuring, which may include
adjusting the number and type of securities subject to each outstanding Award and/or the Award&rsquo;s exercise price or grant price
(if applicable), granting new Awards to Participants, and making a cash payment to Participants. The adjustments provided under this
Section&nbsp;8.1 will be nondiscretionary and final and binding on the affected Participant and the Company; provided that the Administrator
will determine whether an adjustment is equitable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Corporate
Transactions</U>. In the event of any dividend or other distribution (whether in the form of cash, Common Stock, other securities, or
other property), reorganization, merger, consolidation, combination, amalgamation, repurchase, recapitalization, liquidation, dissolution,
or sale, transfer, exchange or other disposition of all or substantially all of the assets of the Company, or sale or exchange of Common
Stock or other securities of the Company, Change in Control, issuance of warrants or other rights to purchase Common Stock or other securities
of the Company, other similar corporate transaction or event, other unusual or nonrecurring transaction or event affecting the Company
or its financial statements or any change in any Applicable Laws or accounting principles, the Administrator, on such terms and conditions
as it deems appropriate, either by the terms of the Award or by action taken prior to the occurrence of such transaction or event (except
that action to give effect to a change in Applicable Law or accounting principles may be made within a reasonable period of time after
such change) and either automatically or upon the Participant&rsquo;s request, is hereby authorized to take any one or more of the following
actions whenever the Administrator determines that such action is appropriate in order to (x)&nbsp;prevent dilution or enlargement of
the benefits or potential benefits intended by the Company to be made available under the Plan or with respect to any Award granted or
issued under the Plan, (y)&nbsp;facilitate such transaction or event or (z)&nbsp;give effect to such changes in Applicable Laws or accounting
principles:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
provide for the cancellation of any such Award in exchange for either an amount of cash or other property with a value equal to the amount
that could have been obtained upon the exercise or settlement of the vested portion of such Award or realization of the Participant&rsquo;s
rights under the vested portion of such Award, as applicable; provided that, if the amount that could have been obtained upon the exercise
or settlement of the vested portion of such Award or realization of the Participant&rsquo;s rights, in any case, is equal to or less than
zero, then the Award may be terminated without payment;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
provide that such Award shall vest and, to the extent applicable, be exercisable as to all Shares covered thereby, notwithstanding anything
to the contrary in the Plan or the provisions of such Award;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
provide that such Award be assumed by the successor or survivor corporation, or a parent or subsidiary thereof, or shall be substituted
for by awards covering the shares of the successor or survivor corporation, or a parent or subsidiary thereof, with appropriate adjustments
as to the number and kind of shares and/or applicable exercise or purchase price, in all cases, as determined by the Administrator;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
make adjustments in the number and type of Shares (or other securities or property) subject to outstanding Awards and/or with respect
to which Awards may be granted under the Plan (including, but not limited to, adjustments of the limitations in Article&nbsp;IV on the
maximum number and kind of shares which may be issued, including pursuant to any Non-Employee Director Compensation Policy) and/or in
the terms and conditions of (including the grant or exercise price or applicable performance goals), and the criteria included in, outstanding
Awards;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
replace such Award with other rights or property selected by the Administrator; and/or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
provide that the Award will terminate and cannot vest, be exercised or become payable after the applicable event.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Effect
of Non-Assumption in a Change in Control</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Notwithstanding
the provisions of Section&nbsp;8.2, if a Change in Control occurs and a Participant&rsquo;s Award is not continued, converted, assumed
or replaced with a substantially similar award by (a)&nbsp;the Company, or (b)&nbsp;a successor entity or its parent or subsidiary (an
 &ldquo;<B><I>Assumption</I></B>&rdquo;), and provided that the Participant has not had a Termination of Service, then, immediately prior
to the Change in Control, such Award shall become fully vested, exercisable and/or payable, as applicable, and all forfeiture, repurchase
and other restrictions on such Award shall lapse, in which case, such Award shall be canceled upon the consummation of the Change in Control
in exchange for the right to receive the Change in Control consideration payable to other holders of Shares (i)&nbsp;which may be on such
terms and conditions as apply generally to holders of Shares under the Change in Control documents (including, without limitation, any
escrow, earn-out or other deferred consideration provisions) or such other terms and conditions as the Administrator may provide, and
(ii)&nbsp;determined by reference to the number of Shares subject to such Award and net of any applicable exercise price; provided that
to the extent that any Award constitutes &ldquo;nonqualified deferred compensation&rdquo; that may not be paid upon the Change in Control
under Section&nbsp;409A without the imposition of taxes thereon under Section&nbsp;409A (including payments as a result of any termination
of &ldquo;nonqualified deferred compensation&rdquo; Awards permitted under Section&nbsp;409A in connection with a Change in Control),
the timing of such payments shall be governed by the applicable Award Agreement (subject to any deferred consideration provisions applicable
under the Change in Control documents); and provided, further, that if the amount to which the Participant would be entitled upon the
settlement or exercise of such Award at the time of the Change in Control is equal to or less than zero, then such Award may be terminated
without payment. The Administrator shall determine whether an Assumption of an Award has occurred in connection with a Change in Control.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
a Change in Control occurs and a Participant&rsquo;s Awards are assumed pursuant to Section&nbsp;8.3(a), and, on or within 12 months following
such Change in Control, the Company or its successor entity or a parent or subsidiary thereof terminates such Participant&rsquo;s employment
or service with such entity for any reason (other than for Cause and other than as a result of such Participant&rsquo;s death or Disability),
then (A)&nbsp;such Participant&rsquo;s remaining unvested Awards (including any Substitute Awards) shall become fully vested, exercisable
and/or payable, as applicable, and all forfeiture, repurchase and other restrictions on such Awards (including any Substitute Awards)
shall lapse, on the date of such Termination of Service, and (B)&nbsp;with respect to Options then held by such Participant, the Participant
shall have a period of six months following the date of such Termination of Service (or such longer period as may be set forth in the
applicable Award Agreement(s)) to exercise such Options, to the extent that he or she was otherwise entitled to exercise such Options
on the date of such Termination of Service (but in no event shall any Option remain exercisable beyond its outside expiration date).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Administrative
Stand Still</U>. In the event of any pending stock dividend, stock split, combination or exchange of shares, merger, consolidation or
other distribution (other than normal cash dividends) of Company assets to stockholders, or any other extraordinary transaction or change
affecting the Shares or the share price of Common Stock, including any Equity Restructuring or any securities offering or other similar
transaction, for administrative convenience, the Administrator may refuse to permit the exercise of any Award for up to 60 days before
or after such transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>General</U>.
Except as expressly provided in the Plan or the Administrator&rsquo;s action under the Plan, no Participant will have any rights due to
any subdivision or consolidation of Shares of any class, dividend payment, increase or decrease in the number of Shares of any class or
dissolution, liquidation, merger, or consolidation of the Company or other corporation. Except as expressly provided with respect to an
Equity Restructuring under Section&nbsp;8.1 or the Administrator&rsquo;s action under the Plan, no issuance by the Company of Shares of
any class, or securities convertible into Shares of any class, will affect, and no adjustment will be made regarding, the number of Shares
subject to an Award or the Award&rsquo;s grant or exercise price. The existence of the Plan, any Award Agreements and the Awards granted
hereunder will not affect or restrict in any way the Company&rsquo;s right or power to make or authorize (i)&nbsp;any adjustment, recapitalization,
reorganization or other change in the Company&rsquo;s capital structure or its business, (ii)&nbsp;any merger, consolidation dissolution
or liquidation of the Company or sale of Company assets or (iii)&nbsp;any sale or issuance of securities, including securities with rights
superior to those of the Shares or securities convertible into or exchangeable for Shares. The Administrator may treat Participants and
Awards (or portions thereof) differently under this Article&nbsp;VIII.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;IX.<BR>
General Provisions Applicable to Awards</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Transferability</U></FONT><FONT STYLE="font-size: 10pt">.
Except as the Administrator may determine or provide in an Award Agreement or otherwise for Awards other than Incentive Stock Options,
Awards may not be sold, assigned, transferred, pledged or otherwise encumbered, either voluntarily or by operation of law, except for
certain beneficiary designations, by will or the laws of descent and distribution, or, subject to the Administrator&rsquo;s consent,
pursuant to a domestic relations order, and, during the life of the Participant, will be exercisable only by the Participant. Any permitted
transfer of an Award hereunder shall be without consideration, except as required by Applicable Law, and such Award transferred to a
permitted transferee shall continue to be subject to all the terms and conditions of the Award as applicable to the original Participant
and the Participant or transferor and the receiving permitted transferee shall execute any and all documents requested by the Administrator.
References to a Participant, to the extent relevant in the context, will include references to a Participant&rsquo;s authorized transferee
that the Administrator specifically approves.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Documentation</U>.
Each Award will be evidenced in an Award Agreement, which may be written or electronic, as the Administrator determines. The Award Agreement
will contain the terms and conditions applicable to an Award. Each Award may contain terms and conditions in addition to those set forth
in the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Discretion</U>.
Except as the Plan otherwise provides, each Award may be made alone or in addition or in relation to any other Award. The terms of each
Award to a Participant need not be identical, and the Administrator need not treat Participants or Awards (or portions thereof) uniformly.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Termination
of Status</U>. The Administrator will determine how the disability, death, retirement, an authorized leave of absence or any other change
or purported change in a Participant&rsquo;s Service Provider status affects an Award and the extent to which, and the period during which
the Participant, the Participant&rsquo;s legal representative, conservator, guardian or Designated Beneficiary may exercise rights under
the Award, if applicable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Withholding</U>.
Each Participant must pay the Company, or make provision satisfactory to the Administrator for payment of, any taxes required by Applicable
Law to be withheld in connection with such Participant&rsquo;s Awards by the date of the event creating the tax liability. The Company
may deduct an amount sufficient to satisfy such tax obligations based on the applicable statutory withholding rates (or such other rate
as may be determined by the Company after considering any accounting consequences or costs) from any payment of any kind otherwise due
to a Participant. In the absence of a contrary determination by the Company (or, with respect to withholding pursuant to clause&nbsp;(ii)&nbsp;below
with respect to Awards held by individuals subject to Section&nbsp;16 of the Exchange Act, a contrary determination by the Administrator),
all tax withholding obligations will be calculated based on the maximum applicable statutory withholding rates. Subject to Section&nbsp;10.8
and any Company insider trading policy (including blackout periods), Participants may satisfy such tax obligations (i)&nbsp;in cash, by
wire transfer of immediately available funds, by check made payable to the order of the Company, provided that the Company may limit the
use of the foregoing payment forms if one or more of the payment forms below is permitted, (ii)&nbsp;to the extent permitted by the Administrator,
in whole or in part by delivery of Shares, including Shares delivered by attestation and Shares retained from the Award creating the tax
obligation, valued at their Fair Market Value on the date of delivery, (iii)&nbsp;if there is a public market for Shares at the time the
tax obligations are satisfied, unless the Company otherwise determines, (A)&nbsp;delivery (including electronically or telephonically
to the extent permitted by the Company) of an irrevocable and unconditional undertaking by a broker acceptable to the Company to deliver
promptly to the Company sufficient funds to satisfy the tax obligations, or (B)&nbsp;delivery by the Participant to the Company of a copy
of irrevocable and unconditional instructions to a broker acceptable to the Company to deliver promptly to the Company cash or a check
sufficient to satisfy the tax withholding; provided that such amount is paid to the Company at such time as may be required by the Administrator,
or (iv)&nbsp;to the extent permitted by the Company, any combination of the foregoing payment forms approved by the Administrator. Notwithstanding
any other provision of the Plan, the number of Shares which may be so delivered or retained pursuant to clause&nbsp;(ii)&nbsp;of the immediately
preceding sentence shall be limited to the number of Shares which have a Fair Market Value on the date of delivery or retention no greater
than the aggregate amount of such liabilities based on the maximum individual statutory tax rate in the applicable jurisdiction at the
time of such withholding (or such other rate as may be required to avoid the liability classification of the applicable award under generally
accepted accounting principles in the United States of America); provided, however, to the extent such Shares were acquired by Participant
from the Company as compensation, the Shares must have been held for the minimum period required by applicable accounting rules&nbsp;to
avoid a charge to the Company&rsquo;s earnings for financial reporting purposes; provided, further, that, any such Shares delivered or
retained shall be rounded up to the nearest whole Share to the extent rounding up to the nearest whole Share does not result in the liability
classification of the applicable Award under generally accepted accounting principles in the United States of America. If any tax withholding
obligation will be satisfied under clause&nbsp;(ii)&nbsp;above by the Company&rsquo;s retention of Shares from the Award creating the
tax obligation and there is a public market for Shares at the time the tax obligation is satisfied, the Company may elect to instruct
any brokerage firm determined acceptable to the Company for such purpose to sell on the applicable Participant&rsquo;s behalf some or
all of the Shares retained and to remit the proceeds of the sale to the Company or its designee, and each Participant&rsquo;s acceptance
of an Award under the Plan will constitute the Participant&rsquo;s authorization to the Company and instruction and authorization to such
brokerage firm to complete the transactions described in this sentence.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment
of Award; Repricing</U>. The Administrator may amend, modify or terminate any outstanding Award, including by substituting another Award
of the same or a different type, changing the exercise or settlement date, and converting an Incentive Stock Option to a Non-Qualified
Option. The Participant&rsquo;s consent to such action will be required unless (i)&nbsp;the action, taking into account any related action,
does not materially and adversely affect the Participant&rsquo;s rights under the Award, or (ii)&nbsp;the change is permitted under Article&nbsp;VIII
or pursuant to Section&nbsp;10.6. Notwithstanding the foregoing or anything in the Plan to the contrary, the Administrator may, without
the approval of the stockholders of the Company, (i)&nbsp;reduce the exercise price per share of outstanding Options or Stock Appreciation
Rights or (ii)&nbsp;cancel outstanding Options or Stock Appreciation Rights in exchange for cash, other Awards or Options or Stock Appreciation
Rights with an exercise price per share that is less than the exercise price per share of the original Options or Stock Appreciation Rights.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Conditions
on Delivery of Shares</U>. The Company will not be obligated to deliver any Shares under the Plan or remove restrictions from Shares
previously delivered under the Plan until (i)&nbsp;all Award conditions have been met or removed to the Company&rsquo;s satisfaction,
(ii)&nbsp;as determined by the Company, all other legal matters regarding the issuance and delivery of such Shares have been satisfied,
including any applicable securities laws and stock exchange or stock market rules&nbsp;and regulations, and (iii)&nbsp;the Participant
has executed and delivered to the Company such representations or agreements as the Administrator deems necessary or appropriate to satisfy
any Applicable Laws. The Company&rsquo;s inability to obtain authority from any regulatory body having jurisdiction, which the Administrator
determines is necessary to the lawful issuance and sale of any securities, will relieve the Company of any liability for failing to issue
or sell such Shares as to which such requisite authority has not been obtained.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Acceleration</U>.
The Administrator may at any time provide that any Award will become immediately vested and fully or partially exercisable, free of some
or all restrictions or conditions, or otherwise fully or partially realizable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Cash
Settlement</U>. Without limiting the generality of any other provision of the Plan, the Administrator may provide, in an Award Agreement
or subsequent to the grant of an Award, in its discretion, that any Award may be settled in cash, Shares or a combination thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Broker-Assisted
Sales</U>. In the event of a broker-assisted sale of Shares in connection with the payment of amounts owed by a Participant under or
with respect to the Plan or Awards, including amounts to be paid under the final sentence of Section&nbsp;9.5: (i)&nbsp;any Shares to
be sold through the broker-assisted sale will be sold on the day the payment first becomes due, or as soon thereafter as practicable;
(ii)&nbsp;such Shares may be sold as part of a block trade with other Participants in the Plan in which all participants receive an average
price; (iii)&nbsp;the applicable Participant will be responsible for all broker&rsquo;s fees and other costs of sale, and by accepting
an Award, each Participant agrees to indemnify and hold the Company harmless from any losses, costs, damages, or expenses relating to
any such sale; (iv)&nbsp;to the extent the Company or its designee receives proceeds of such sale that exceed the amount owed, the Company
will pay such excess in cash to the applicable Participant as soon as reasonably practicable; (v)&nbsp;the Company and its designees
are under no obligation to arrange for such sale at any particular price; and (vi)&nbsp;in the event the proceeds of such sale are insufficient
to satisfy the Participant&rsquo;s applicable obligation, the Participant may be required to pay immediately upon demand to the Company
or its designee an amount in cash sufficient to satisfy any remaining portion of the Participant&rsquo;s obligation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;X.<BR>
Miscellaneous</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Right to Employment or Other Status</U>. No person will have any claim or right to be granted an Award, and the grant of an Award will
not be construed as giving a Participant the right to continued employment or any other relationship with the Company or any of its Subsidiaries.
The Company and its Subsidiaries expressly reserves the right at any time to dismiss or otherwise terminate its relationship with a Participant
free from any liability or claim under the Plan or any Award, except as expressly provided in an Award Agreement or in the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Rights as Stockholder; Certificates</U>. Subject to the Award Agreement, no Participant or Designated Beneficiary will have any rights
as a stockholder with respect to any Shares to be distributed under an Award until becoming the record holder of such Shares. Notwithstanding
any other provision of the Plan, unless the Administrator otherwise determines or Applicable Laws require, the Company will not be required
to deliver to any Participant certificates evidencing Shares issued in connection with any Award and instead such Shares may be recorded
in the books of the Company (or, as applicable, its transfer agent or stock plan administrator). The Company may place legends on stock
certificates issued under the Plan that the Administrator deems necessary or appropriate to comply with Applicable Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Effective
Date and Term of Plan</U>. Unless earlier terminated by the Board, the Plan will become effective on the day prior to the Public Trading
Date (the &ldquo;<B><I>Effective Date</I></B>&rdquo;) and will remain in effect until the tenth anniversary of the earlier of (i)&nbsp;the
date the Board adopted the Plan or (ii)&nbsp;the date the Company&rsquo;s stockholders approved the Plan, but Awards previously granted
may extend beyond that date in accordance with the Plan. Notwithstanding anything to the contrary in the Plan, an Incentive Stock Option
may not be granted under the Plan after 10 years from the earlier of (i)&nbsp;the date the Board adopted the Plan or (ii)&nbsp;the date
the Company&rsquo;s stockholders approved the Plan, but Awards previously granted may extend beyond that date in accordance with the Plan.
If the Plan is not approved by the Company&rsquo;s stockholders, the Plan will not become effective, no Awards will be granted under the
Plan will continue in full force and effect in accordance with its terms.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment
of Plan</U>. The Board may amend, suspend or terminate the Plan at any time; provided that no amendment, other than an increase to the
Overall Share Limit, may materially and adversely affect any Award outstanding at the time of such amendment without the affected Participant&rsquo;s
consent. No Awards may be granted under the Plan during any suspension period or after the Plan&rsquo;s termination. Awards outstanding
at the time of any Plan suspension or termination will continue to be governed by the Plan and the Award Agreement, as in effect before
such suspension or termination. The Board will obtain stockholder approval of any Plan amendment to the extent necessary to comply with
Applicable Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Provisions
for Foreign Participants</U>. The Administrator may modify Awards granted to Participants who are foreign nationals or employed outside
the United States or establish subplans or procedures under the Plan to address requirements of Applicable Laws and differences in laws,
rules, regulations or customs of such foreign jurisdictions with respect to tax, securities, currency, employee benefit or other matters;
<U>provided</U>, <U>however</U>, that no such subplans and/or modifications shall increase the Overall Share Limit or the Director Limit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Section&nbsp;409A</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>General</U>.
The Company intends that all Awards be structured to comply with, or be exempt from, Section&nbsp;409A, such that no adverse tax consequences,
interest, or penalties under Section&nbsp;409A apply. Notwithstanding anything in the Plan or any Award Agreement to the contrary, the
Administrator may, without a Participant&rsquo;s consent, amend this Plan or Awards, adopt policies and procedures, or take any other
actions (including amendments, policies, procedures and retroactive actions) as are necessary or appropriate to preserve the intended
tax treatment of Awards, including any such actions intended to (A)&nbsp;exempt this Plan or any Award from Section&nbsp;409A, or (B)&nbsp;comply
with Section&nbsp;409A, including regulations, guidance, compliance programs and other interpretative authority that may be issued after
an Award&rsquo;s grant date. The Company makes no representations or warranties as to an Award&rsquo;s tax treatment under Section&nbsp;409A
or otherwise. The Company will have no obligation under this Section&nbsp;10.6 or otherwise to avoid the taxes, penalties or interest
under Section&nbsp;409A with respect to any Award and will have no liability to any Participant or any other person if any Award, compensation
or other benefits under the Plan are determined to constitute noncompliant &ldquo;nonqualified deferred compensation&rdquo; subject to
taxes, penalties or interest under Section&nbsp;409A.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Separation
from Service</U>. If an Award constitutes &ldquo;nonqualified deferred compensation&rdquo; under Section&nbsp;409A, any payment or settlement
of such Award upon a termination of a Participant&rsquo;s Service Provider relationship will, to the extent necessary to avoid taxes under
Section&nbsp;409A, be made only upon the Participant&rsquo;s &ldquo;separation from service&rdquo; (within the meaning of Section&nbsp;409A),
whether such &ldquo;separation from service&rdquo; occurs upon or after the termination of the Participant&rsquo;s Service Provider relationship.
For purposes of this Plan or any Award Agreement relating to any such payments or benefits, references to a &ldquo;termination,&rdquo;
 &ldquo;termination of employment&rdquo; or like terms means a &ldquo;separation from service.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Payments
to Specified Employees</U>. Notwithstanding any contrary provision in the Plan or any Award Agreement, any payment(s)&nbsp;of &ldquo;nonqualified
deferred compensation&rdquo; required to be made under an Award to a &ldquo;specified employee&rdquo; (as defined under Section&nbsp;409A
and as the Administrator determines) due to his or her &ldquo;separation from service&rdquo; will, to the extent necessary to avoid taxes
under Section&nbsp;409A(a)(2)(B)(i)&nbsp;of the Code, be delayed for the six-month period immediately following such &ldquo;separation
from service&rdquo; (or, if earlier, until the specified employee&rsquo;s death) and will instead be paid (as set forth in the Award Agreement)
on the day immediately following such six-month period or as soon as administratively practicable thereafter (without interest). Any payments
of &ldquo;nonqualified deferred compensation&rdquo; under such Award payable more than six months following the Participant&rsquo;s &ldquo;separation
from service&rdquo; will be paid at the time or times the payments are otherwise scheduled to be made.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Limitations
on Liability</U>. To the extent permitted under Applicable Law and the Organizational Documents, each member of the Administrator shall
be indemnified and held harmless by the Company from any loss, cost, liability, or expense that may be imposed upon or reasonably incurred
by such member in connection with or resulting from any claim, action, suit, or proceeding to which he or she may be a party or in which
he or she may be involved by reason of any action or failure to act pursuant to the Plan and against and from any and all amounts paid
by him or her in satisfaction of judgment in such action, suit, or proceeding against him or her; provided he or she gives the Company
an opportunity, at its own expense, to handle and defend the same before he or she undertakes to handle and defend it on his or her own
behalf. The foregoing right of indemnification shall not be exclusive of any other rights of indemnification to which such persons may
be entitled pursuant to the Organizational Documents, as a matter of law, or otherwise, or any power that the Company may have to indemnify
them or hold them harmless.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Lock-Up
Period</U>. The Company may, at the request of any underwriter representative or otherwise, in connection with registering the offering
of any Company securities under the Securities Act, prohibit Participants from, directly or indirectly, selling or otherwise transferring
any Shares or other Company securities during a period of up to 180 days following the effective date of a Company registration statement
filed under the Securities Act, or such longer period as determined by the underwriter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Data
Privacy</U>. As a condition for receiving any Award, each Participant explicitly and unambiguously consents to the collection, use and
transfer, in electronic or other form, of personal data as described in this section&nbsp;by and among the Company and its Subsidiaries
and affiliates exclusively for implementing, administering and managing the Participant&rsquo;s participation in the Plan. The Company
and its Subsidiaries and affiliates may hold certain personal information about a Participant, including the Participant&rsquo;s name,
address and telephone number; birthdate; social security, insurance number or other identification number; salary; nationality; job title(s);
any Shares held in the Company or its Subsidiaries and affiliates; and Award details, to implement, manage and administer the Plan and
Awards (the &ldquo;<B><I>Data</I></B>&rdquo;). The Company and its Subsidiaries and affiliates may transfer the Data amongst themselves
as necessary to implement, administer and manage a Participant&rsquo;s participation in the Plan, and the Company and its Subsidiaries
and affiliates may transfer the Data to third parties assisting the Company with Plan implementation, administration and management. These
recipients may be located in the Participant&rsquo;s country, or elsewhere, and the Participant&rsquo;s country may have different data
privacy laws and protections than the recipients&rsquo; country. By accepting an Award, each Participant authorizes such recipients to
receive, possess, use, retain and transfer the Data, in electronic or other form, to implement, administer and manage the Participant&rsquo;s
participation in the Plan, including any required Data transfer to a broker or other third party with whom the Company or the Participant
may elect to deposit any Shares. The Data related to a Participant will be held only as long as necessary to implement, administer, and
manage the Participant&rsquo;s participation in the Plan. A Participant may, at any time, view the Data that the Company holds regarding
such Participant, request additional information about the storage and processing of the Data regarding such Participant, recommend any
necessary corrections to the Data regarding the Participant or refuse or withdraw the consents in this Section&nbsp;10.9 in writing, without
cost, by contacting the local human resources representative. If the Participant refuses or withdraws the consents in this Section&nbsp;10.9,
the Company may cancel Participant&rsquo;s ability to participate in the Plan and, in the Administrator&rsquo;s discretion, the Participant
may forfeit any outstanding Awards. For more information on the consequences of refusing or withdrawing consent, Participants may contact
their local human resources representative.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Severability</U>.
If any portion of the Plan or any action taken under it is held illegal or invalid for any reason, the illegality or invalidity will not
affect the remaining parts of the Plan, and the Plan will be construed and enforced as if the illegal or invalid provisions had been excluded,
and the illegal or invalid action will be null and void.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Governing
Documents</U>. If any contradiction occurs between the Plan and any Award Agreement or other written agreement between a Participant and
the Company (or any Subsidiary) that the Administrator has approved, the Plan will govern, unless it is expressly specified in such Award
Agreement or other written document that a specific provision of the Plan will not apply.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Governing
Law</U>. The Plan and all Awards will be governed by and interpreted in accordance with the laws of Delaware, without giving effect to
principles of conflicts of laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Claw-back
Provisions</U>. All Awards (including, without limitation, any proceeds, gains or other economic benefit actually or constructively received
by Participant upon any receipt or exercise of any Award or upon the receipt or resale of any Shares underlying the Award) shall be subject
to the provisions of any claw-back policy implemented by the Company, including, without limitation, any claw-back policy adopted to comply
with Applicable Laws (including the Dodd-Frank Wall Street Reform and Consumer Protection Act and any rules&nbsp;or regulations promulgated
thereunder) as and to the extent set forth in such claw-back policy or the Award Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Titles
and Headings</U>. The titles and headings in the Plan are for convenience of reference only and, if any conflict, the Plan&rsquo;s text,
rather than such titles or headings, will control.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.15</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conformity
to Securities Laws</U>. Participant acknowledges that the Plan is intended to conform to the extent necessary with Applicable Laws. Notwithstanding
anything herein to the contrary, the Plan and all Awards will be administered only in conformance with Applicable Laws. To the extent
Applicable Laws permit, the Plan and all Award Agreements will be deemed amended as necessary to conform to Applicable Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.16</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Relationship
to Other Benefits</U>. No payment under the Plan will be taken into account in determining any benefits under any pension, retirement,
savings, profit sharing, group insurance, welfare or other benefit plan of the Company or any Subsidiary except as expressly provided
in writing in such other plan or an agreement thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;XI.<BR>
Definitions</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As used in the Plan, the following
words and phrases will have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Administrator</I></B>&rdquo;
means the Board or a Committee to the extent that the Board&rsquo;s powers or authority under the Plan have been delegated to such Committee.
Notwithstanding the foregoing, the full Board, acting by a majority of its members in office, shall conduct the general administration
of the Plan with respect to Awards granted to Directors and, with respect to such Awards, the term &ldquo;Administrator&rdquo; as used
in the Plan shall be deemed to refer to the Board.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Applicable
Laws</I></B>&rdquo; means the requirements relating to the administration of equity incentive plans under U.S.&nbsp;federal and state
securities, tax and other applicable laws, rules&nbsp;and regulations, the applicable rules&nbsp;of any stock exchange or quotation system
on which the Shares are listed or quoted and the applicable laws and rules&nbsp;of any foreign country or other jurisdiction where Awards
are granted.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Award</I></B>&rdquo;
means, individually or collectively, a grant under the Plan of Options, Stock Appreciation Rights, Restricted Stock, Restricted Stock
Units, Dividend Equivalents, or Other Stock or Cash Based Awards.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Award
Agreement</I></B>&rdquo; means a written agreement evidencing an Award, which may be electronic, that contains such terms and conditions
as the Administrator determines, consistent with and subject to the terms and conditions of the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Board</I></B>&rdquo;
means the Board of Directors of the Company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Cause</I></B>&rdquo;
with respect to a Participant, &ldquo;Cause&rdquo; (or any term of similar effect) as defined in such Participant&rsquo;s employment or
service agreement with the Company or an affiliate thereof if such an agreement exists and contains a definition of Cause (or term of
similar effect), or, if no such agreement exists or such agreement does not contain a definition of Cause (or term of similar effect),
then &ldquo;Cause&rdquo; shall mean one or more of the following: (A)&nbsp;repeated and gross failure to perform Participant&rsquo;s material
duties, after written notice of such performance has been given to Participant with 30 days to cure such nonperformance; (B)&nbsp;commission
of a felony, a crime of moral turpitude or a misdemeanor involving fraud or dishonesty (for avoidance of doubt, a single driving while
intoxicated (or other similar charge) shall not be considered a felony or crime of moral turpitude); (C)&nbsp;the perpetration of any
act of fraud or material dishonesty against or affecting the Company, any of its affiliates, or any customer, agent or employee thereof;
(D)&nbsp;material breach of fiduciary duty or material breach of this Agreement, after written notice of such breach has been given to
Participant and, to the event such breach is curable, within 30 days to cure such breach; (E)&nbsp;repeated insolent or abusive conduct
in the workplace, including but not limited to, harassment of others of a racial or sexual nature after notice of such behavior; (F)&nbsp;taking
any action which is intended to harm or disparage the Company or its affiliates, or their reputations, or which would reasonably be expected
to lead to unwanted or unfavorable publicity to the Company or its affiliates; or (G)&nbsp;engaging in any act of material self-dealing
without prior notice to and consent by the Board.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Change
in Control</I></B>&rdquo; means and includes each of the following:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">A
transaction or series of transactions (other than an offering of Shares to the general public through a registration statement filed with
the Securities and Exchange Commission or a transaction or series of transactions that meets the requirements of clauses&nbsp;(i)&nbsp;and
(ii)&nbsp;of subsection&nbsp;(c)&nbsp;below) whereby any &ldquo;person&rdquo; or related &ldquo;group&rdquo; of &ldquo;persons&rdquo;
(as such terms are used in Sections&nbsp;13(d)&nbsp;and 14(d)(2)&nbsp;of the Exchange Act) (other than the Company, any of its Subsidiaries,
an employee benefit plan maintained by the Company or any of its Subsidiaries or a &ldquo;person&rdquo; that, prior to such transaction,
directly or indirectly controls, is controlled by, or is under common control with, the Company) directly or indirectly acquires beneficial
ownership (within the meaning of Rule&nbsp;13d-3 under the Exchange Act) of securities of the Company possessing more than 50% of the
total combined voting power of the Company&rsquo;s securities outstanding immediately after such acquisition; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">During
any period of twenty-four consecutive months, individuals who, at the beginning of such period, constitute the Board together with any
new Director(s)&nbsp;(other than a Director designated by a person who shall have entered into an agreement with the Company to effect
a transaction described in subsections&nbsp;(a)&nbsp;or (c)) whose election by the Board or nomination for election by the Company&rsquo;s
shareholders was approved by a vote of at least two-thirds of the Directors then still in office who either were Directors at the beginning
of the twenty-four month period or whose election or nomination for election was previously so approved, cease for any reason to constitute
a majority thereof; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
consummation by the Company (whether directly involving the Company or indirectly involving the Company through one or more intermediaries)
of (x)&nbsp;a merger, consolidation, reorganization, or business combination or (y)&nbsp;a sale or other disposition of all or substantially
all of the Company&rsquo;s assets in any single transaction or series of related transactions or (z)&nbsp;the acquisition of assets or
shares of another entity, in each case other than a transaction:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">which
results in the Company&rsquo;s voting securities outstanding immediately before the transaction continuing to represent (either by remaining
outstanding or by being converted into voting securities of the Company or the person that, as a result of the transaction, controls,
directly or indirectly, the Company or owns, directly or indirectly, all or substantially all of the Company&rsquo;s assets or otherwise
succeeds to the business of the Company (the Company or such person, the &ldquo;<B><I>Successor Entity</I></B>&rdquo;)) directly or indirectly,
at least a majority of the combined voting power of the Successor Entity&rsquo;s outstanding voting securities immediately after the transaction,
and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">after
which no person or group beneficially owns voting securities representing 50% or more of the combined voting power of the Successor Entity;
<U>provided</U>, <U>however</U>, that no person or group shall be treated for purposes of this clause&nbsp;(ii)&nbsp;as beneficially owning
50% or more of the combined voting power of the Successor Entity solely as a result of the voting power held in the Company prior to the
consummation of the transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding the foregoing,
if a Change in Control constitutes a payment event with respect to any Award (or portion of any Award) that provides for the deferral
of compensation that is subject to Section&nbsp;409A, to the extent required to avoid the imposition of additional taxes under Section&nbsp;409A,
the transaction or event described in subsection&nbsp;(a), (b)&nbsp;or (c)&nbsp;with respect to such Award (or portion thereof) shall
only constitute a Change in Control for purposes of the payment timing of such Award if such transaction also constitutes a &ldquo;change
in control event,&rdquo; as defined in Treasury Regulation Section&nbsp;1.409A-3(i)(5).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">The Administrator shall have full and final authority,
which shall be exercised in its discretion, to determine conclusively whether a Change in Control has occurred pursuant to the above definition,
the date of the occurrence of such Change in Control and any incidental matters relating thereto; provided that any exercise of authority
in conjunction with a determination of whether a Change in Control is a &ldquo;change in control event&rdquo; as defined in Treasury Regulation
Section&nbsp;1.409A-3(i)(5)&nbsp;shall be consistent with such regulation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Code</I></B>&rdquo;
means the Internal Revenue Code of 1986, as amended, and the regulations issued thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Committee</I></B>&rdquo;
means one or more committees or subcommittees of the Board, which may include one or more Company directors or executive officers, to
the extent Applicable Laws permit. To the extent required to comply with the provisions of Rule&nbsp;16b-3, it is intended that each member
of the Committee will be, at the time the Committee takes any action with respect to an Award that is subject to Rule&nbsp;16b-3, a &ldquo;non-employee
director&rdquo; within the meaning of Rule&nbsp;16b-3; however, a Committee member&rsquo;s failure to qualify as a &ldquo;non-employee
director&rdquo; within the meaning of Rule&nbsp;16b-3 will not invalidate any Award granted by the Committee that is otherwise validly
granted under the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Common
Stock</I></B>&rdquo; means the common stock of the Company, par value $0.0001.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Company</I></B>&rdquo;
means Jefferson Capital,&nbsp;Inc., a Delaware incorporated company, or any successor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Consultant</I></B>&rdquo;
means any person, including any adviser, engaged by the Company or any of its Subsidiaries to render services to such entity if the consultant
or adviser: (a)&nbsp;renders bona fide services to the Company; (b)&nbsp;renders services not in connection with the offer or sale of
securities in a capital-raising transaction and does not directly or indirectly promote or maintain a market for the Company&rsquo;s securities;
and (c)&nbsp;is a natural person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Designated
Beneficiary</I></B>&rdquo; means the beneficiary or beneficiaries the Participant designates, in a manner the Administrator determines,
to receive amounts due or exercise the Participant&rsquo;s rights if the Participant dies or becomes incapacitated. Without a Participant&rsquo;s
effective designation, &ldquo;Designated Beneficiary&rdquo; will mean the Participant&rsquo;s estate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Director</I></B>&rdquo;
means a Board member.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.15</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Disability</I></B>&rdquo;
means that the Participant is unable to engage in any substantial gainful activity by reason of any medically determinable physical or
mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12)
months.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.16</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Dividend
Equivalents</I></B>&rdquo; means a right granted to a Participant under the Plan to receive the equivalent value (in cash or Shares) of
dividends paid on Shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.17</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Employee</I></B>&rdquo;
means any employee of the Company or its Subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.18</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Equity
Restructuring</I></B>&rdquo; means, as determined by the Administrator, a non-reciprocal transaction between the Company and its stockholders,
such as a stock dividend, stock split, spin-off or recapitalization through a large, nonrecurring cash dividend, or other large, nonrecurring
cash dividend, that affects the Shares (or other securities of the Company) or the share price of Shares (or other securities of the Company)
and causes a change in the per share value of the Shares underlying outstanding Awards.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.19</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Exchange
Act</I></B>&rdquo; means the Securities Exchange Act of 1934, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.20</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Fair
Market Value</I></B>&rdquo; means, as of any date, the value of a Share determined as follows: (a)&nbsp;if the Shares are listed on any
established stock exchange, its Fair Market Value will be the closing sales price for such Shares as quoted on such exchange for such
date, or if no sale occurred on such date, the last day preceding such date during which a sale occurred, as reported in <I>The Wall Street
Journal</I> or another source the Administrator deems reliable; (b)&nbsp;if the Shares are not traded on a stock exchange but is quoted
on a national market or other quotation system, the closing sales price on such date, or if no sales occurred on such date, then on the
last date preceding such date during which a sale occurred, as reported in <I>The Wall Street Journal </I>or another source the Administrator
deems reliable; or (c)&nbsp;without an established market for the Shares, the Administrator will determine the Fair Market Value in its
discretion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding the foregoing,
with respect to any Award granted on the pricing date of the Company&rsquo;s initial public offering, the Fair Market Value shall mean
the initial public offering price of a Share as set forth in the Company&rsquo;s final prospectus relating to its initial public offering
filed with the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.21</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Greater
Than 10% Stockholder</I></B>&rdquo; means an individual then owning (within the meaning of Section&nbsp;424(d)&nbsp;of the Code) more
than 10% of the total combined voting power of all classes of shares of the Company or its parent or subsidiary corporation, as defined
in Section&nbsp;424(e)&nbsp;and (f)&nbsp;of the Code, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.22</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Incentive
Stock Option</I></B>&rdquo; means an Option intended to qualify as an &ldquo;incentive stock option&rdquo; as defined in Section&nbsp;422
of the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.23</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Non-Qualified
Option</I></B>&rdquo; means an Option, or portion thereof, not intended or not qualifying as an Incentive Stock Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.24</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Option</I></B>&rdquo;
means an option to purchase Shares, which will either be an Incentive Stock Option or a Non-Qualified Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.25</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Organizational
Documents</I></B>&rdquo; shall mean, collectively, (a)&nbsp;the Company&rsquo;s articles of incorporation, certificate of incorporation,
bylaws or other similar organizational documents relating to the creation and governance of the Company, and (b)&nbsp;the Committee&rsquo;s
charter or other similar organizational documentation relating to the creation and governance of the Committee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.26</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Other
Stock or Cash Based Awards</I></B>&rdquo; means cash awards, awards of Shares, and other awards valued wholly or partially by referring
to, or are otherwise based on, Shares or other property awarded to a Participant under Article&nbsp;VII.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.27</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Overall
Share Limit</I></B>&rdquo; means the sum of (a)&nbsp;[&nbsp;<FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>2</SUP></FONT>
Shares; and (b)&nbsp;an annual increase on the first day of each calendar year beginning January&nbsp;1, 2026 and ending on and including
January&nbsp;1, 2035, equal to the lesser of (i)&nbsp;5% of the aggregate number of Shares outstanding as of the last day of the immediately
preceding fiscal year and (ii)&nbsp;such smaller number of Shares as is determined by the Board.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>2</SUP></FONT>
Note to Draft: To equal ten percent (10%) of the common stock outstanding
as of the IPO (calculated on an as-converted basis, assuming no exercise of the underwriter&rsquo;s option to purchase additional shares).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.28</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Participant</I></B>&rdquo;
means a Service Provider who has been granted an Award.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.29</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Performance
Criteria</I></B>&rdquo; means the criteria (and adjustments) that the Administrator may select for an Award to establish performance goals
for a performance period, which may include (but is not limited to) the following: net earnings or losses (either before or after one
or more of interest, taxes, depreciation, amortization, and non-cash equity-based compensation expense); gross or net sales or revenue
or sales or revenue growth; net income (either before or after taxes) or adjusted net income; profits (including but not limited to gross
profits, net profits, profit growth, net operation profit or economic profit), profit return ratios or operating margin; budget or operating
earnings (either before or after taxes or before or after allocation of corporate overhead and bonus); cash flow (including operating
cash flow and free cash flow or cash flow return on capital); return on assets; return on capital or invested capital; cost of capital;
return on stockholders&rsquo; equity; total stockholder return; return on sales; costs, reductions in costs and cost control measures;
expenses; working capital; earnings or loss per share; adjusted earnings or loss per share; price per share or dividends per share (or
appreciation in or maintenance of such price or dividends); regulatory achievements or compliance; implementation, completion or attainment
of objectives relating to research, development, regulatory, commercial, or strategic milestones or developments; market share; economic
value or economic value added models; division, group or corporate financial goals; customer satisfaction/growth; customer service; employee
satisfaction; recruitment and maintenance of personnel; human resources management; supervision of litigation and other legal matters;
strategic partnerships and transactions; financial ratios (including those measuring liquidity, activity, profitability or leverage);
debt levels or reductions; sales-related goals; portfolio or acquisition goals; financing and other capital raising transactions; cash
on hand; acquisition activity; investment sourcing activity; and marketing initiatives, any of which may be measured in absolute terms
or as compared to any incremental increase or decrease. Such performance goals also may be based solely by reference to the Company&rsquo;s
performance or the performance of a Subsidiary, division, business segment or business unit of the Company or a Subsidiary, or based upon
performance relative to performance of other companies or upon comparisons of any of the indicators of performance relative to performance
of other companies.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.30</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Plan</I></B>&rdquo;
means this 2025 Incentive Award Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.31</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Public
Trading Date</I></B>&rdquo; means the first date upon which the Shares are listed (or approved for listing) upon notice of issuance on
any securities exchange or designated (or approved for designation) upon notice of issuance as a national market security on an interdealer
quotation system.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.32</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Restricted
Stock</I></B>&rdquo; means Shares awarded to a Participant under Article&nbsp;VI subject to certain vesting conditions and other restrictions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.33</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Restricted
Stock Unit</I></B>&rdquo; means an unfunded, unsecured right to receive, on the applicable settlement date, one Share or an amount in
cash or other consideration determined by the Administrator to be of equal value as of such settlement date awarded to a Participant under
Article&nbsp;VI subject to certain vesting conditions and other restrictions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.34</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Rule&nbsp;16b-3</I></B>&rdquo;
means Rule&nbsp;16b-3 promulgated under the Exchange Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.35</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Section&nbsp;409A</I></B>&rdquo;
means Section&nbsp;409A of the Code and all regulations, guidance, compliance programs and other interpretative authority thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.36</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Securities
Act</I></B>&rdquo; means the Securities Act of 1933, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.37</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Service
Provider</I></B>&rdquo; means an Employee, Consultant or Director.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.38</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Shares</I></B>&rdquo;
means shares of Common Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.39</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Stock
Appreciation Right</I></B>&rdquo; means a Stock appreciation right granted under Article&nbsp;V.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.40</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Subsidiary</I></B>&rdquo;
means any entity (other than the Company), whether domestic or foreign, in an unbroken chain of entities beginning with the Company if
each of the entities other than the last entity in the unbroken chain beneficially owns, at the time of the determination, securities
or interests representing at least 50% of the total combined voting power of all classes of securities or interests in one of the other
entities in such chain.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.41</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Substitute
Awards</I></B>&rdquo; means Awards granted or Shares issued by the Company in assumption of, or in substitution or exchange for, awards
previously granted, or the right or obligation to make future awards, in each case by a company acquired by the Company or any Subsidiary
or with which the Company or any Subsidiary combines.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.42</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<B><I>Termination
of Service</I></B>&rdquo; means the date the Participant ceases to be a Service Provider.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>*&nbsp;*&nbsp;*&nbsp;*&nbsp;*</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.8
<SEQUENCE>8
<FILENAME>tm2430355d14_ex10-8.htm
<DESCRIPTION>EXHIBIT 10.8
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.8</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="border-top: Black 1pt solid; padding-top: 5pt; border-right: Black 1pt solid; border-left: Black 1pt solid; text-align: center; width: 100%"><B>JEFFERSON CAPITAL,&nbsp;INC.</B></TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; padding-bottom: 5pt"><B>2025 INCENTIVE AWARD
PLAN</B></TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>RESTRICTED
STOCK UNIT GRANT NOTICE</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Capitalized terms not specifically
defined in this Restricted Stock Unit Grant Notice (the &ldquo;<U>Grant Notice</U>&rdquo;) have the meanings given to them in the 2025
Incentive Award Plan (as amended from time to time, the &ldquo;<U>Plan</U>&rdquo;) of Jefferson Capital,&nbsp;Inc. (the &ldquo;<U>Company</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; margin: 0pt 0; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Company </FONT>hereby grants to
the participant listed below (&ldquo;<U>Participant</U>&rdquo;) the Restricted Stock Units described in this Grant Notice (the &ldquo;<U>RSUs</U>&rdquo;),
subject to the terms and conditions of the Plan and the Restricted Stock Unit Agreement attached hereto as <U>Exhibit&nbsp;A</U> (the
 &ldquo;<U>Agreement</U>&rdquo;) and the Restrictive Covenant Agreement attached hereto as <U>Exhibit B</U> (the &ldquo;<U>Restrictive
Covenant Agreement</U>&rdquo;), all of which are incorporated into this Grant Notice by reference. Each vested RSU represents the right
to receive, in accordance with the Agreement, one share of Common Stock (&ldquo;<U>Share</U>&rdquo;). [Each RSU is hereby granted in tandem
with a corresponding dividend equivalent to the extent a portion of such RSU is vested, as further described in Article&nbsp;II of the
Agreement (the &ldquo;<U>Dividend Equivalents</U>&rdquo;).]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>1</SUP></FONT></P>

<P STYLE="margin: 0pt 0; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt; width: 30%"><FONT STYLE="font-size: 10pt"><B>Participant:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; width: 70%"><FONT STYLE="font-size: 10pt"><I>[Insert Participant Name]</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><B>Grant Date:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><I>[Insert Grant Date]</I></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-size: 10pt"><B>Number of RSUs:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><I>[Insert Number of RSUs] </I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><B>Vesting Commencement Date:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; text-align: justify"><FONT STYLE="font-size: 10pt"><I>[Insert Vesting Commencement Date]</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><B>Vesting Schedule:</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><I>[To be specified in individual agreements]</I></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">By Participant&rsquo;s signature
below or electronic acceptance or authentication in a form authorized by the Company, Participant agrees to be bound by the terms of this
Grant Notice, the Plan and the Agreement. Participant has reviewed the Plan, this Grant Notice and the Agreement in their entirety, has
had an opportunity to obtain the advice of counsel prior to executing this Grant Notice and fully understands all provisions of the Plan,
this Grant Notice and the Agreement. Participant hereby agrees to accept as binding, conclusive and final all decisions or interpretations
of the Administrator upon any questions arising under the Plan or relating to the RSUs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>JEFFERSON CAPITAL,&nbsp;INC.</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>PARTICIPANT</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 42%"></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 7%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 42%"><FONT STYLE="font-size: 10pt"><U></U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Print Name: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Print Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0; margin-bottom: 3pt; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>1</SUP></FONT>
Note to Draft: To include if dividend equivalents will be granted in tandem.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>Exhibit&nbsp;A</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B><U>TO
RESTRICTED STOCK UNIT GRANT NOTICE</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RESTRICTED STOCK UNIT AWARD AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to the Grant Notice
to which this Agreement is attached, the Company has granted to Participant the number of RSUs set forth in the Grant Notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;I.<FONT STYLE="font-size: 10pt"><BR>
general</FONT></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;1.1</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Defined Terms</U></FONT><FONT STYLE="font-size: 10pt">. Capitalized terms not specifically defined herein shall have the meanings specified in
the Plan or the Grant Notice. For purposes of this Agreement,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<U>Cessation
Date</U>&rdquo; shall mean the date of Participant&rsquo;s Termination of Service (regardless of the reason for such termination).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Participating
Company</U>&rdquo; shall mean the Company or any of its parents or Subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;1.2</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Incorporation
of Terms of Plan</U></FONT><FONT STYLE="font-size: 10pt">. The RSUs and the shares of Common Stock issued to Participant hereunder (&ldquo;<U>Shares</U>&rdquo;)
are subject to the terms and conditions set forth in this Agreement and the Plan (including, without limitation, Section&nbsp;10.6 thereof),
which is incorporated herein by reference. In the event of any inconsistency between the Plan and this Agreement, the terms of the Plan
shall control.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;II.<FONT STYLE="font-size: 10pt"><BR>
award of restricted stock UNITS</FONT></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;2.1</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Award
of RSUs [and Dividend Equivalents]</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
consideration of Participant&rsquo;s past and/or continued employment with or service to a Participating Company and for other good and
valuable consideration, effective as of the grant date set forth in the Grant Notice (the &ldquo;<U>Grant Date</U>&rdquo;), the Company
has granted to Participant the number of RSUs set forth in the Grant Notice, upon the terms and conditions set forth in the Grant Notice,
the Plan and this Agreement, subject to adjustment as provided in Article&nbsp;VIII of the Plan. Each RSU represents the right to receive
one Share at the times and subject to the conditions set forth herein. However, unless and until the RSUs have vested, Participant will
have no right to the payment of any Shares subject thereto. Prior to the actual delivery of any Shares, the RSUs will represent an unsecured
obligation of the Company, payable only from the general assets of the Company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">[The
Company hereby grants to Participant an Award of Dividend Equivalents with respect to each RSU granted pursuant to the Grant Notice for
all ordinary cash dividends that are paid to all or substantially all holders of the outstanding Shares between the Grant Date and the
date when the applicable RSU is distributed or paid to Participant or is forfeited or expires. The Dividend Equivalents for each RSU shall
be equal to the amount of cash that is paid as a dividend on one Share. All such Dividend Equivalents shall be credited to Participant
and be deemed to be reinvested in additional RSUs as of the date of payment of any such dividend based on the Fair Market Value of a Share
on such date. Each additional RSU that results from such deemed reinvestment of Dividend Equivalents granted hereunder shall be subject
to the same vesting, distribution or payment, adjustment and other provisions that apply to the underlying RSU to which such additional
RSU relates.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>2</SUP></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>2</SUP></FONT>
Note to Draft: To include if dividend equivalents will be granted in tandem.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;2.2</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Vesting
of RSUs [and Dividend Equivalents]</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subject
to Participant&rsquo;s continued employment with or service to a Participating Company on each applicable vesting date and subject to
the terms of this Agreement, the RSUs shall vest in such amounts and at such times as are set forth in the Grant Notice. [Each additional
RSU that results from deemed reinvestments of Dividend Equivalents pursuant to <U>Section&nbsp;2.1(b)</U>&nbsp;shall vest whenever the
underlying RSU to which such additional RSU relates vests.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>3</SUP></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event Participant incurs a Termination of Service, except as may be otherwise provided by the Administrator or as set forth in a written
agreement between Participant and the Company, Participant shall immediately forfeit any and all RSUs [and Dividend Equivalents] granted
under this Agreement that have not vested or do not vest on or prior to the date on which such Termination of Service occurs, and Participant&rsquo;s
rights in any such RSUs [and Dividend Equivalents] that are not so vested shall lapse and expire.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;2.3</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Distribution
or Payment of RSUs</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Participant&rsquo;s
RSUs shall be distributed in Shares (either in book-entry form or otherwise) as soon as administratively practicable following the vesting
of any RSUs pursuant to Section&nbsp;2.2 hereof, but in no event later than March&nbsp;15 of the year after the year of vesting. Notwithstanding
the foregoing, the Company may delay a distribution or payment in settlement of RSUs if it reasonably determines that such payment or
distribution will violate federal securities laws or any other Applicable Law, <I>provided</I> that such distribution or payment shall
be made at the earliest date at which the Company reasonably determines that the making of such distribution or payment will not cause
such violation, as required by Treasury Regulation Section&nbsp;1.409A-2(b)(7)(ii), and <I>provided further</I> that no payment or distribution
shall be delayed under this <U>Section&nbsp;2.3(a)</U>&nbsp;if such delay will result in a violation of Section&nbsp;409A.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">All
distributions shall be made by the Company in the form of whole Shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;2.4</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conditions
to Issuance of Certificates</U></FONT><FONT STYLE="font-size: 10pt">. The Company shall not be required to issue or deliver any certificate
or certificates for any Shares or to cause any Shares to be held in book-entry form prior to the fulfillment of all of the following conditions:
(a)&nbsp;the admission of the Shares to listing on all stock exchanges on which such Shares are then listed, (b)&nbsp;the completion of
any registration or other qualification of the Shares under any state or federal law or under rulings or regulations of the Securities
and Exchange Commission or other governmental regulatory body, which the Administrator shall, in its absolute discretion, deem necessary
or advisable, (c)&nbsp;the obtaining of any approval or other clearance from any state or federal governmental agency that the Administrator
shall, in its absolute discretion, determine to be necessary or advisable, and (d)&nbsp;the receipt of full payment of any applicable
withholding tax in accordance with <U>Section&nbsp;2.5</U> by the Participating Company with respect to which the applicable withholding
obligation arises.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>3</SUP></FONT>
Note to Draft: To include if dividend equivalents will be granted in tandem.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;2.5</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Tax
Withholding</U></FONT><FONT STYLE="font-size: 10pt">. Notwithstanding any other provision of this Agreement:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Participating Companies have the authority to deduct or withhold, or require Participant to remit to the applicable Participating Company,
an amount sufficient to satisfy any applicable federal, state, local and foreign taxes (including the employee portion of any FICA obligation)
required by Applicable Law to be withheld with respect to any taxable event arising pursuant to this Agreement. The Participating Companies
may withhold or Participant may make such payment in one or more of the forms specified below:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
cash or check made payable to the Participating Company with respect to which the withholding obligation arises;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
the deduction of such amount from other compensation payable to Participant;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">with
respect to any withholding taxes arising in connection with the vesting or settlement of the RSUs, with the consent of the Administrator,
by requesting that the Company withhold a net number of vested shares of Common Stock otherwise issuable pursuant to the RSUs having a
then current Fair Market Value not exceeding the amount necessary to satisfy the withholding obligation of the Participating Companies
based on the maximum statutory withholding rates in Participant&rsquo;s applicable jurisdictions for federal, state, local and foreign
income tax and payroll tax purposes that are applicable to such taxable income;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(iv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">with
respect to any withholding taxes arising in connection with the vesting or settlement of the RSUs, with the consent of the Administrator,
by tendering to the Company vested shares of Common Stock having a then current Fair Market Value not exceeding the amount necessary to
satisfy the withholding obligation of the Participating Companies based on the maximum statutory withholding rates in Participant&rsquo;s
applicable jurisdictions for federal, state, local and foreign income tax and payroll tax purposes that are applicable to such taxable
income;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(v)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">with
respect to any withholding taxes arising in connection with the vesting or settlement of the RSUs, through the delivery of a notice that
Participant has placed a market sell order with a broker acceptable to the Company with respect to shares of Common Stock then issuable
to Participant pursuant to the RSUs, and that the broker has been directed to pay a sufficient portion of the net proceeds of the sale
to the Participating Company with respect to which the withholding obligation arises in satisfaction of such withholding taxes; <I>provided</I>
that payment of such proceeds is then made to the applicable Participating Company at such time as may be required by the Administrator,
but in any event not later than the settlement of such sale; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(vi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">in
any combination of the foregoing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">With
respect to any withholding taxes arising in connection with the RSUs, in the event Participant fails to provide timely payment of all
sums required pursuant to <U>Section&nbsp;2.5(a)</U>, the Company shall have the right and option, but not the obligation, to treat such
failure as an election by Participant to satisfy all or any portion of Participant&rsquo;s required payment obligation pursuant to <U>Section&nbsp;2.5(a)(ii)</U>&nbsp;or
<U>Section&nbsp;2.5(a)(iii)</U>&nbsp;above, or any combination of the foregoing as the Company may determine to be appropriate. The Company
shall not be obligated to deliver any certificate representing shares of Common Stock issuable with respect to the RSUs to Participant
or his or her legal representative unless and until Participant or his or her legal representative shall have paid or otherwise satisfied
in full the amount of all federal, state, local and foreign taxes applicable with respect to the taxable income of Participant resulting
from the vesting or settlement of the RSUs or any other taxable event related to the RSUs.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event any tax withholding obligation arising in connection with the RSUs will be satisfied under <U>Section&nbsp;2.5(a)(iii)</U>,
then the Company may elect to instruct any brokerage firm determined acceptable to the Company for such purpose to sell on Participant&rsquo;s
behalf a whole number of shares from those shares of Common Stock then issuable to Participant pursuant to the RSUs as the Company determines
to be appropriate to generate cash proceeds sufficient to satisfy the tax withholding obligation and to remit the proceeds of such sale
to the Participating Company with respect to which the withholding obligation arises. Participant&rsquo;s acceptance of this Award constitutes
Participant&rsquo;s instruction and authorization to the Company and such brokerage firm to complete the transactions described in this
<U>Section&nbsp;2.5(c)</U>, including the transactions described in the previous sentence, as applicable. The Company may refuse to issue
any shares of Common Stock in settlement of the RSUs to Participant until the foregoing tax withholding obligations are satisfied, provided
that no payment shall be delayed under this <U>Section&nbsp;2.5(c)</U>&nbsp;if such delay will result in a violation of Section&nbsp;409A
of the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Participant
is ultimately liable and responsible for all taxes owed in connection with the RSUs, regardless of any action any Participating Company
takes with respect to any tax withholding obligations that arise in connection with the RSUs. No Participating Company makes any representation
or undertaking regarding the treatment of any tax withholding in connection with the awarding, vesting or payment of the RSUs or the subsequent
sale of Shares. The Participating Companies do not commit and are under no obligation to structure the RSUs to reduce or eliminate Participant&rsquo;s
tax liability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;2.6</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Rights
as Stockholder</U></FONT><FONT STYLE="font-size: 10pt">. Neither Participant nor any Person claiming under or through Participant will
have any of the rights or privileges of a stockholder of the Company in respect of any Shares deliverable hereunder unless and until certificates
representing such Shares (which may be in book-entry form) will have been issued and recorded on the records of the Company or its transfer
agents or registrars and delivered to Participant (including through electronic delivery to a brokerage account). Except as otherwise
provided herein, after such issuance, recordation and delivery, Participant will have all the rights of a stockholder of the Company with
respect to such Shares, including, without limitation, the right to receipt of dividends and distributions on such Shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;III.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>other
provisions</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.1</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Administration</U></FONT><FONT STYLE="font-size: 10pt">.
The Administrator shall have the power to interpret the Plan, the Grant Notice and this Agreement and to adopt such rules&nbsp;for the
administration, interpretation and application of the Plan, the Grant Notice and this Agreement as are consistent therewith and to interpret,
amend or revoke any such rules. All actions taken and all interpretations and determinations made by the Administrator will be final and
binding upon Participant, the Company and all other interested Persons. To the extent allowable pursuant to Applicable Laws, no member
of the Committee or the Board will be personally liable for any action, determination or interpretation made with respect to the Plan,
the Grant Notice or this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.2</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>RSUs
Not Transferable</U></FONT><FONT STYLE="font-size: 10pt">. The RSUs may not be sold, pledged, assigned or transferred in any manner other
than by will or the laws of descent and distribution, unless and until the Shares underlying the RSUs have been issued, and all restrictions
applicable to such Shares have lapsed. No RSUs or any interest or right therein or part thereof shall be liable for the debts, contracts
or engagements of Participant or his or her successors in interest or shall be subject to disposition by transfer, alienation, anticipation,
pledge, encumbrance, assignment or any other means whether such disposition be voluntary or involuntary or by operation of law by judgment,
levy, attachment, garnishment or any other legal or equitable proceedings (including bankruptcy), and any attempted disposition thereof
shall be null and void and of no effect, except to the extent that such disposition is permitted by the preceding sentence.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.3</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Adjustments</U></FONT><FONT STYLE="font-size: 10pt">.
The Administrator may accelerate the vesting of all or a portion of the RSUs in such circumstances as it, in its sole discretion, may
determine. Participant acknowledges that the RSUs and the Shares subject to the RSUs are subject to adjustment, modification and termination
in certain events as provided in this Agreement and the Plan, including Article&nbsp;VIII of the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.4</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Notices</U></FONT><FONT STYLE="font-size: 10pt">.
Any notice to be given under the terms of this Agreement to the Company shall be addressed to the Company in care of the Secretary of
the Company at the Company&rsquo;s principal office, and any notice to be given to Participant shall be addressed to Participant at Participant&rsquo;s
last email or physical address reflected on the Company&rsquo;s records. By a notice given pursuant to this <U>Section&nbsp;3.4</U>, either
party may hereafter designate a different address for notices to be given to that party. Any notice shall be deemed duly given when sent
via email or when sent by certified mail (return receipt requested) and deposited (with postage prepaid) in a post office or branch post
office regularly maintained by the United States Postal Service.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><U>Section
3.5</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><U>Restrictive Covenants; Forfeiture</U>.
As a condition to the receipt of the RSUs, the Participant agrees to execute and comply with the Restrictive Covenant Agreement attached
hereto as Exhibit B. Further, the Participant hereby acknowledges and agrees that any restrictive covenants or similar written agreements,
including without limitation the Restrictive Covenant Agreement (the &ldquo;Restrictive Covenant Agreements&rdquo;) between such Participant
and the Company or any other Participating Company are incorporated herein by reference, and that such agreements, as applicable, remain
in full force and effect. In the event the Participant materially breaches the Restrictive Covenant Agreements or any other written covenants
between such Participant and any Participating Company, the Participant shall immediately forfeit any and all RSUs granted under this
Agreement (whether or not vested), and Participant&rsquo;s rights in any such RSUs shall lapse and expire. For the avoidance of doubt,
such forfeiture, lapse and expiration shall not limit the Participating Companies&rsquo; ability to seek other remedies for such breach.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.6</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Titles</U></FONT><FONT STYLE="font-size: 10pt">.
Titles are provided herein for convenience only and are not to serve as a basis for interpretation or construction of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.7</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Governing
Law</U></FONT><FONT STYLE="font-size: 10pt">. The laws of the State of Delaware shall govern the interpretation, validity, administration,
enforcement and performance of the terms of this Agreement regardless of the law that might be applied under principles of conflicts of
laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.8</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conformity
to Securities Laws</U></FONT><FONT STYLE="font-size: 10pt">. Participant acknowledges that the Plan, the Grant Notice and this Agreement
are intended to conform to the extent necessary with all Applicable Laws, including, without limitation, the provisions of the Securities
Act and the Exchange Act, and any and all regulations and rules&nbsp;promulgated thereunder by the Securities and Exchange Commission,
and state securities laws and regulations. Notwithstanding anything herein to the contrary, the Plan shall be administered, and the RSUs
are granted, only in such a manner as to conform to Applicable Laws. To the extent permitted by Applicable Laws, the Plan, the Grant Notice
and this Agreement shall be deemed amended to the extent necessary to conform to Applicable Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.9</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment,
Suspension and Termination</U></FONT><FONT STYLE="font-size: 10pt">. To the extent permitted by the Plan, this Agreement may be wholly
or partially amended or otherwise modified, suspended or terminated at any time or from time to time by the Administrator or the Board<I>,
provided</I> that, except as may otherwise be provided by the Plan, no amendment, modification, suspension or termination of this Agreement
shall adversely affect the RSUs in any material way without the prior written consent of Participant, unless such action is necessary
to ensure or facilitate compliance with Applicable Law, as determined by the Administrator.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.10</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Successors
and Assigns</U></FONT><FONT STYLE="font-size: 10pt">. The Company may assign any of its rights under this Agreement to single or multiple
assignees, and this Agreement shall inure to the benefit of the successors and assigns of the Company. Subject to the restrictions on
transfer set forth in <U>Section&nbsp;3.2</U> and the Plan, this Agreement shall be binding upon and inure to the benefit of the heirs,
legatees, legal representatives, successors and assigns of the parties hereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.11</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Limitations
Applicable to Section&nbsp;16 Persons</U></FONT><FONT STYLE="font-size: 10pt">. Notwithstanding any other provision of the Plan or this
Agreement, if Participant is subject to Section&nbsp;16 of the Exchange Act, the Plan, the RSUs [(including RSUs that result from the
deemed reinvestment of Dividend Equivalents), the Dividend Equivalents]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>4</SUP></FONT>,
the Grant Notice and this Agreement shall be subject to any additional limitations set forth in any applicable exemptive rule&nbsp;under
Section&nbsp;16 of the Exchange Act (including any amendment to Rule&nbsp;16b-3 of the Exchange Act) that are requirements for the application
of such exemptive rule. To the extent permitted by Applicable Laws, this Agreement shall be deemed amended to the extent necessary to
conform to such applicable exemptive rule.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT>
Note to Draft: To include if dividend equivalents will be granted in tandem.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.12</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Not
a Contract of Service Relationship</U></FONT><FONT STYLE="font-size: 10pt">. Nothing in this Agreement or in the Plan shall confer upon
Participant any right to continue to serve as an employee or other service provider of any Participating Company or shall interfere with
or restrict in any way the rights of any Participating Company, which rights are hereby expressly reserved, to discharge or terminate
the services of Participant at any time for any reason whatsoever, with or without cause, except to the extent (a)&nbsp;expressly provided
otherwise in a written agreement between a Participating Company and Participant or (b)&nbsp;where such provisions are not consistent
with applicable foreign or local laws, in which case such applicable foreign or local laws shall control.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.13</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Entire
Agreement</U></FONT><FONT STYLE="font-size: 10pt">. The Plan, the Grant Notice and this Agreement (including any exhibit&nbsp;hereto)
constitute the entire agreement of the parties and supersede in their entirety all prior undertakings and agreements of the Company and
Participant with respect to the subject matter hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.14</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Section&nbsp;409A</U></FONT><FONT STYLE="font-size: 10pt">.
This Award is not intended to constitute &ldquo;nonqualified deferred compensation&rdquo; within the meaning of Section&nbsp;409A and
shall be interpreted consistent with such intent. However, notwithstanding any other provision of the Plan, the Grant Notice or this Agreement,
if at any time the Administrator determines that this Award (or any portion thereof) may be subject to Section&nbsp;409A, the Administrator
shall have the right in its sole discretion (without any obligation to do so or to indemnify Participant or any other Person for failure
to do so) to adopt such amendments to the Plan, the Grant Notice or this Agreement, or adopt other policies and procedures (including
amendments, policies and procedures with retroactive effect), or take any other actions, as the Administrator determines are necessary
or appropriate for this Award either to be exempt from the application of Section&nbsp;409A or to comply with the requirements of Section&nbsp;409A.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.15</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Agreement
Severable</U></FONT><FONT STYLE="font-size: 10pt">. In the event that any provision of the Grant Notice or this Agreement is held invalid
or unenforceable, such provision will be severable from, and such invalidity or unenforceability will not be construed to have any effect
on, the remaining provisions of the Grant Notice or this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.16</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Limitation
on Participant&rsquo;s Rights</U></FONT><FONT STYLE="font-size: 10pt">. Participation in the Plan confers no rights or interests other
than as herein provided. This Agreement creates only a contractual obligation on the part of the Company as to amounts payable and shall
not be construed as creating a trust. Neither the Plan nor any underlying program, in and of itself, has any assets. Participant shall
have only the rights of a general unsecured creditor of the Company with respect to amounts credited and benefits payable, if any, with
respect to the RSUs [and Dividend Equivalents].</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.17</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Clawback</U></FONT><FONT STYLE="font-size: 10pt">.
The RSUs (including any proceeds, gains or other economic benefit the Participant actually or constructively receives upon receipt or
settlement of the RSUs or the receipt or resale of any Shares underlying the RSUs) will be subject to any Company claw-back policy as
in effect from time to time, including any claw-back policy adopted to comply with Applicable Laws (including the Dodd-Frank Wall Street
Reform and Consumer Protection Act and any rules&nbsp;or regulations promulgated thereunder).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><U>Section&nbsp;3.18</U></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Counterparts</U></FONT><FONT STYLE="font-size: 10pt">.
The Grant Notice may be executed in one or more counterparts, including by way of any electronic signature, subject to Applicable Law,
each of which shall be deemed an original and all of which together shall constitute one instrument.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">* * * * *</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>Exhibit&nbsp;B</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>Restrictive
Covenant Agreement<SUP></SUP></U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In consideration for the opportunity
to receive those certain restricted stock units of Jefferson Capital,&nbsp;Inc. (the &ldquo;<U>Company</U>&rdquo;) pursuant to that certain
Grant Notice and Restricted Stock Unit Award Agreement between the undersigned individual (the &ldquo;<U>Participant</U>&rdquo;) and the
Company (such restricted stock units, the &ldquo;<U>RSUs</U>&rdquo;), and for other good and valuable consideration, and as a condition
precedent to the grant of the RSUs, Participant hereby agrees as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="text-transform: uppercase"><B>1.</B></FONT></TD><TD><FONT STYLE="text-transform: uppercase"><B>nOn-Competition and non-solicitation</B></FONT>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify"><U>Non-Competition</U>. During the term of Participant&rsquo;s employment [and, if permitted under applicable
law, during the one (1)&nbsp;year period immediately following the date of Participant&rsquo;s termination from the Company ]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>6</SUP></FONT>(the
 &ldquo;<U>Non-Compete Restricted Period</U>&rdquo;), Participant agrees that Participant will not, directly or indirectly, for Participant&rsquo;s
own benefit or for the benefit of any other individual or entity other than the Company: (i)&nbsp;operate, conduct, or engage in, or prepare
to operate, conduct, or engage in the Business (as defined below); (ii)&nbsp;own, finance, or invest in (except as the holder of not more
than one percent (1%) of the outstanding stock of a publicly-held company) any Business, or (iii)&nbsp;render services to any person or
entity that engages in or is preparing to engage in the Business in any capacity, whether as an employee, consultant, contractor, partner,
officer, director, or otherwise, which involves the same or similar types of services Participant performed for the Company at any time
during the prior two years of Participant&rsquo;s employment with the Company, which involve executive, financial, strategic, or operational
duties, or in which Participant could reasonably be expected to use or disclose Confidential Information, in each case (i), (ii), or (iii)&nbsp;in
the Restricted Territory (as defined below).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Non-Solicitation of Company Customer</U>.
                                            During the term of Participant&rsquo;s employment [and, if permitted under applicable law,
                                            during the one (1)&nbsp;year period immediately following the date of Participant&rsquo;s
                                            termination from the Company ]<SUP>7</SUP> (the &ldquo;<U>Non-Solicit Restricted Period</U>&rdquo;),
                                            Participant will not, directly or indirectly, for Participant&rsquo;s own benefit or for
                                            the benefit of any other individual or entity: (a)&nbsp;solicit business from any Company
                                            Customer (as defined below) or provide or offer to provide to any Company Customer any products
                                            or services that are similar to or otherwise competitive with any product or service provided
                                            by, or that could be provided by, the Company; (b)&nbsp;cause or encourage any Company Customer
                                            to reduce or cease doing business with the Company, or (c)&nbsp;otherwise negatively interfere
                                            with the Company&rsquo;s relationships with any Company Customer.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify"><U>Non-Solicitation of Company Personnel</U>. During the Non-Solicit Restricted Period (together with
the Non-Compete Restricted Period, the &ldquo;<U>Restricted Periods</U>&rdquo; and each a &ldquo;<U>Restricted Period</U>&rdquo;), Participant
will not, directly or indirectly, for Participant&rsquo;s own benefit or for the benefit of any other individual or entity: (a)&nbsp;employ
or hire any Company Personnel (as defined below) in any capacity (whether as an employee, contractor, consultant or otherwise); (b)&nbsp;solicit
or attempt to solicit for employment or hire any Company Personnel in any capacity; (c)&nbsp;entice or induce any Company Personnel to
leave his or her or their employment with the Company; or (d)&nbsp;otherwise negatively interfere with the Company&rsquo;s relationship
with any Company Personnel. Notwithstanding the foregoing, a general solicitation or advertisement for job opportunities that Participant
may publish without targeting any Company Personnel shall not be considered a violation of this Section&nbsp;1(b).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>6</SUP></FONT>
<U>Note to Draft</U>: <B>Not to be included for Minnesota employees, but can be included for Minnesota board members who are not employees.
</B>Include bracketed text for (i) Participants located in Utah and Georgia and (ii) Participants located in Colorado provided they meet
the applicable salary threshold under Colorado law as then in effect ($127,091 in 2025).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>7</SUP></FONT>
<U>Note to Draft</U>: Include bracketed text for Participants located in Minnesota, Utah, and Georgia. In Colorado, include provided
they meet the applicable salary threshold under Colorado law as then in effect ($76,254.60 for non-solicit covenants in 2025).</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">d.</TD><TD STYLE="text-align: justify"><U>Tolling Period</U>. If the Non-Compete Restricted Period and/or Non-Solicit Restricted Period applies
following the termination of Participant&rsquo;s employment with the Company, and if permitted by appliable law, then without limiting
the Company&rsquo;s ability to seek other remedies available in law or equity, if Participant violates any of the provisions of Sections&nbsp;1(a),
(b), or (c), the applicable Restricted Period shall be extended by one day for each day that Participant is in violation of such provisions,
up to a maximum extension equal to the length of the applicable post-termination Restricted Period, so as to give the Company the full
benefit of the bargained-for length of forbearance.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">e.</TD><TD STYLE="text-align: justify"><U>Definitions</U>. As used in this Agreement:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Business</U>&rdquo; means any business or part thereof that develops, manufactures,
markets, licenses, sells or provides any product or service that competes with any product or service developed, manufactured, marketed,
licensed, sold or provided by the Company at any time during Participant&rsquo;s employment with the Company, or with a product or service
planned to be developed, manufactured, marketed, licensed, sold or provided by the Company as of any time during the prior one (1)&nbsp;year
of Participant&rsquo;s employment with the, excluding any business or planned business in which Participant had no duties or responsibilities
and about which Participant acquired no Proprietary Information during Participant&rsquo;s employment with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Company Customer</U>&rdquo; means any individual or entity who (i)&nbsp;is, or was
during the prior one (1)&nbsp;year of Participant&rsquo;s employment with the Company, a customer, supplier, or vendor of the Company
of whom Participant learned, with whom Participant had business contact or about whom Participant obtained Proprietary Information at
any time during Participant&rsquo;s employment with the Company, or (ii)&nbsp;is a prospective customer, supplier, or vendor of the Company
of whom Participant learned, with whom Participant had business contact, or about whom Participant obtained Proprietary Information as
part of a solicitation of business on behalf of the Company at any time during the prior one (1)&nbsp;year of Participant&rsquo;s employment
with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iii.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Company Personnel</U>&rdquo; means any individual or entity who is or was at any time
during the six (6)&nbsp;month period prior to Participant&rsquo;s solicitation or other activity prohibited by Section&nbsp;1(b), employed
or engaged (whether as an employee, consultant, independent contractor or in any other capacity) by the Company, excluding any individual
or entity with whom or which Participant had no contact and about whom Participant acquired no information during Participant&rsquo;s
employment with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iv.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>employment</U>&rdquo; means any period of employment or engagement, whether as an employee,
independent contractor, board member, or otherwise, with the Company. Participant agrees that neither Participant&rsquo;s reclassification
from an employee to an independent contractor, or vice versa, nor the technical transfer of Participant&rsquo;s employment from one Company
entity to another Company entity, shall not serve as a termination for purposes of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">v.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Restricted Territory</U>&rdquo; means each city, county, state, territory and country
in which (i)&nbsp;Participant provided services or had a material presence or influence at any time during the prior two years of Participant&rsquo;s
employment with the Company or (ii)&nbsp;the Company is engaged in or has plans to engage in the business during the prior one year of
Participant&rsquo;s employment with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD><B>PROPRIETARY INFORMATION</B>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">During the term of Participant&rsquo;s employment, Participant may receive and otherwise be exposed, directly
or indirectly, to confidential and proprietary information of the Company whether in graphic, written, electronic, audible or oral form,
including without limitation information relating to the Company&rsquo;s business, strategies, designs, products, services and technologies
and any derivatives, improvements and enhancements relating to any of the foregoing, or to the Company&rsquo;s suppliers, customers or
business partners (collectively &ldquo;<U>Proprietary Information</U>&rdquo;). Proprietary Information may be identified at the time of
disclosure as confidential or proprietary or information which by its context would reasonably be deemed to be confidential or proprietary.
 &ldquo;<U>Proprietary Information</U>&rdquo; may also include without limitation (a)(i)&nbsp;unpublished patent disclosures and patent
applications and other filings, know-how, trade secrets, copyrightable works, works of authorship and other intellectual property, as
well as any information regarding ideas, inventions, technology, and processes, including without limitation assays, sketches, schematics,
techniques, drawings, designs, descriptions, specifications and technical documentation, (ii)&nbsp;specifications, protocols, models,
designs, equipment, engineering, algorithms, software programs, software source documents, formulae, (iii)&nbsp;information concerning
or resulting from any research and development or other project, including without limitation, experimental work, product development
plans, regulatory compliance information, and research, development and regulatory strategies, and (iv)&nbsp;business and financial information,
including without limitation purchasing, procurement, manufacturing, customer lists, information relating to investors, employees, business
and contractual relationships, business forecasts, sales and merchandising, business and marketing plans, product plans, and business
strategies, including without limitation information the Company provides regarding third parties, such as, but not limited to, suppliers,
customers, employees, investors, or vendors; and (b)&nbsp;any other information, to the extent such information contains, reflects or
is based upon any of the foregoing Proprietary Information. The Proprietary Information may also include information of a third party
that is disclosed to Participant by the Company or such third party at the Company&rsquo;s direction.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Obligations of Non-Use and Nondisclosure</U>. Participant acknowledges the confidential and secret
character of the Proprietary Information, and agrees that the Proprietary Information is the sole, exclusive and valuable property of
the Company. Except as permitted herein below or in Section&nbsp;2(c), Participant agrees not to use the Proprietary Information except
in the performance of Participant&rsquo;s authorized duties as an employee of the Company, and not to disclose all or any part of the
Proprietary Information in any form to any third party, either during or after the term of Participant&rsquo;s employment, without the
prior written consent of the Company on a case-by-case basis. Upon termination of Participant&rsquo;s employment, Participant agrees to
cease using and to return to the Company all whole and partial copies and derivatives of the Proprietary Information, whether in Participant&rsquo;s
possession or under Participant&rsquo;s direct or indirect control, provided that Participant is entitled to retain Participant&rsquo;s
personal copies of (a)&nbsp;Participant&rsquo;s compensation records, (b)&nbsp;materials distributed to stockholders generally, and (c)&nbsp;this
Agreement. Participant understands that Participant&rsquo;s obligations of nondisclosure with respect to Proprietary Information shall
not apply to information that Participant can establish by competent proof (x)&nbsp;arise from Participant&rsquo;s general training, knowledge,
skill or experience, whether gained on the job or otherwise, (y)&nbsp;that is readily ascertainable to the public, or (z)&nbsp;that Participant
otherwise has a right to disclose as legally protected conduct. If Participant becomes compelled by law, regulation (including without
limitation the rules&nbsp;of any applicable securities exchange), court order, or other governmental authority to disclose the Proprietary
Information, Participant shall, to the extent possible and permissible under applicable law, first give the Company prompt notice. Participant
agrees to cooperate reasonably with the Company in any proceeding to obtain a protective order or other remedy. If such protective order
or other remedy is not obtained, Participant shall only disclose that portion of such Proprietary Information required to be disclosed,
in the opinion of Participant&rsquo;s legal counsel. Participant shall request that confidential treatment be accorded such Proprietary
Information, where available. Compulsory disclosures made pursuant to this Section&nbsp;shall not relieve Participant of Participant&rsquo;s
obligations of confidentiality and non-use with respect to non-compulsory disclosures. Participant shall promptly notify Participant&rsquo;s
supervisor or any officer of the Company if Participant learns of any possible unauthorized use or disclosure of Proprietary Information
and shall cooperate fully with the Company to enforce its rights in such information.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify"><U>Protected Activity</U>. Participant understands that nothing in this Agreement is intended to or shall
prevent Participant from (i)&nbsp;communicating directly with, cooperating with, providing information to, or filing a charge with, any
federal, state or local government regulator, including, but not limited to, the U.S.&nbsp;Securities and Exchange Commission, the U.S.&nbsp;Commodity
Futures Trading Commission, or the U.S.&nbsp;Department of Justice, (ii)&nbsp;engaging in concerted activity, including discussing wages
or working conditions, or engaging in other rights, if any, protected by Section&nbsp;7 of the U.S.&nbsp;National Labor Relations Act
or similar law, to the extent applicable to Participant, (iii)&nbsp;discussing or disclosing information about unlawful acts in the work
such as harassment, discrimination, or any other conduct Participant has reason to believe is unlawful, or (iv)&nbsp;providing truthful
testimony in a legal, legislative, administrative, or arbitration proceeding. Further, Participant acknowledges that the Company has provided
Participant notice of Participant immunity rights under the U.S.&nbsp;Defend Trade Secrets Act, which states: (1)&nbsp;an individual shall
not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made
(A)&nbsp;in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, solely for
the purpose of reporting or investigating a suspected violation of law; or (B)&nbsp;in a complaint or other document filed in a lawsuit
or other proceeding, if such filing is made under seal; and (2)&nbsp;an individual who files a lawsuit for retaliation by an employer
for reporting a suspected violation of law may disclose the trade secret to the attorney of the individual and use the trade secret information
in the court proceeding, if the individual files any document containing the trade secret under seal and does not disclose the trade secret,
except pursuant to court order.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">d.</TD><TD STYLE="text-align: justify"><U>Property of the Company</U>. Participant acknowledges and agrees that all notes, memoranda, reports,
drawings, blueprints, manuals, materials, data, emails and other papers and records of every kind, or other tangible or intangible materials
which shall come into Participant&rsquo;s possession in the course of Participant&rsquo;s employment with the Company, relating to any
Proprietary Information, shall be the sole and exclusive property of the Company and Participant hereby assigns any rights or interests
Participant may obtain in any of the foregoing to the Company. Participant agrees to surrender this property to the Company upon termination
of Participant&rsquo;s employment, or at any time upon request by the Company. Participant further agrees that any property situated on
the Company&rsquo;s data systems or premises and owned by the Company, including without limitation electronic storage media, filing cabinets
or other work areas, is subject to inspection by the Company at any time with or without notice.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 11 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>3.</B></TD><TD><B>NON-DISPARAGEMENT</B>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">Subject to Section&nbsp;2(c), Participant covenants and declares that Participant will not at any time
make, publish or communicate to any individual or entity, or in any public forum make, any defamatory or disparaging remarks, comments
or statements concerning the Company&rsquo;s products or services, and existing and prospective customers, suppliers, investors and other
associated third parties, or make any maliciously false statements about the Company&rsquo;s employees and officers.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>4.</B></TD><TD><B>MISCELLANEOUS</B><FONT STYLE="font-variant: small-caps">.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify"><U>Notification to Other Parties</U>. In the event of the termination of Participant&rsquo;s employment
with the Company for any reason, Participant hereby consents to notification by the Company to Participant&rsquo;s new employer or other
party for whom Participant works about my rights and obligations under this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Employment at Will</U>. Participant understands and agrees that Participant&rsquo;s employment with
the Company is at will. Accordingly, Participant&rsquo;s employment can be terminated at any time, without cause or notice, at Participant&rsquo;s
option or the Company&rsquo;s option. The at-will nature of Participant&rsquo;s employment also means that Participant can be transferred
or demoted, and Participant&rsquo;s job title, compensation, benefits and other terms and conditions of employment can be reduced, at
any time with or without cause. Participant acknowledges that such changes shall not affect the enforceability of the restrictive covenants
in Sections&nbsp;1-3 herein or any other terms of this Agreement. This at-will status of Participant&rsquo;s employment relationship with
the Company shall remain in full force and effect throughout Participant&rsquo;s employment with the Company, and Sections&nbsp;1-3 shall
remain in full force and effect pursuant to their terms. The at-will status of Participant&rsquo;s employment can be modified only in
a written agreement that expressly alters such status and which is signed by both an authorized officer of the Company and Participant.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">The parties&rsquo; rights and obligations under this Agreement will bind and inure to the benefit of their
respective successors, heirs, executors, and administrators and permitted assigns. Participant will not assign this Agreement or Participant&rsquo;s
obligations hereunder without the prior written consent of the Company, which consent may be withheld in the Company&rsquo;s sole discretion,
and any such purported assignment without consent shall be null and void from the beginning. Participant agrees that the Company may freely
assign or otherwise transfer this Agreement to any affiliate or successor in interest (whether by way of merger, sale, acquisition or
corporate re-organization or any substantially similar process) of the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">d.</TD><TD STYLE="text-align: justify">[Participant acknowledges receiving written notice of the requirement to sign this Agreement and a copy
of the Agreement to review, in accordance with Colorado law.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>8</SUP></FONT>
[Notwithstanding anything to the contrary herein, the non-compete covenant obligations contained in Section&nbsp;1(a)&nbsp;herein shall
not become effective until fourteen (14) days after Participant received notice of and a copy of such non-compete obligations.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>9</SUP></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0; margin-bottom: 3pt; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>8</SUP> <U>Note to Draft</U>: Include the first bracketed clause&nbsp;only
if the employee is located in Colorado. Ensure that Participant receives and executes the Colorado notice of restrictive covenants, which
must be provided as a <I>separate document</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 12 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">e.</TD><TD STYLE="text-align: justify">Any subsequent change or changes in Participant&rsquo;s duties, obligations, rights or compensation will
not affect the validity or scope of this Agreement. This Agreement may not be waived, modified or amended unless mutually agreed upon
in writing by both parties. No delay or omission by the Company in exercising any right under this Agreement will operate as a waiver
of that or any other right. A waiver or consent given by the Company on any one occasion is effective only in that instance and will not
be construed as a bar to or waiver of any right on any other occasion.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">f.</TD><TD STYLE="text-align: justify">If any provision of this Agreement is found by a proper authority to be unenforceable or invalid such
unenforceability or invalidity shall not render this Agreement unenforceable or invalid as a whole and in such event, such provision shall
be changed and interpreted so as to best accomplish the objectives of such unenforceable or invalid provision within the limits of applicable
law or applicable court decisions and the remainder of the terms, provisions, covenants and restrictions of this Agreement shall remain
in full force and effect and shall in no way be affected, impaired or invalidated.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">g.</TD><TD STYLE="text-align: justify">Participant acknowledges that the Company will suffer substantial damages not readily ascertainable or
compensable in terms of money in the event of the breach of any of Participant&rsquo;s obligations under this Agreement. Participant therefore
agrees that the Company shall be entitled (without limitation of any other rights or remedies otherwise available to the Company) to obtain
an injunction from any court of competent jurisdiction prohibiting the continuance or recurrence of any breach of this Agreement, without
the requirement to post bail or other security.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">h.</TD><TD STYLE="text-align: justify">The rights and obligations of the parties under this Agreement shall be governed in all respects by the
laws of the state in which Participant primarily provides or last primarily provided services to the Company, without reference to any
conflict of laws rule&nbsp;that would result in the application of the laws of any other jurisdiction. The parties agree that all disputes
arising under this Agreement shall be adjudicated in the state and federal courts having jurisdiction over disputes arising in the state
in which Participant primarily provides or last primarily provided services to the Company, and Participant hereby agrees to consent to
the personal jurisdiction of such court. [If permitted under applicable law, the Company and Participant each hereby irrevocably waive
any right to a trial by jury in any action, suit or other legal proceeding arising under or relating to any provision of this Agreement.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>10</SUP></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">Any notices required or permitted hereunder shall be given to the appropriate party at the address specified
on the signature page&nbsp;to this Agreement or at such other address as the party shall specify in writing. Such notice shall be deemed
given upon personal delivery, or sent by certified or registered mail, postage prepaid, three days after the date of mailing.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">j.</TD><TD STYLE="text-align: justify">Except as otherwise provided herein, the provisions of this Agreement shall survive the termination of
Participant&rsquo;s employment with the Company for any reason.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">k.</TD><TD STYLE="text-align: justify">This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original
and all of which together shall be deemed to be one and the same instrument. A facsimile, PDF (or any electronic signature complying with
the U.S.&nbsp;federal ESIGN Act of 2000, e.g., www.docusign.com) or any other type of copy of an executed version of this Agreement signed
by a party is binding upon the signing party to the same extent as the original of the signed agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>Signature Page&nbsp;Follows.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>9</SUP> Note to Draft: Include the second bracketed clause only
if the employee is located in Colorado and is a current employee (not a new hire).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>10</SUP> Note to Draft: Bracketed language to be removed for
the board member located in Georgia.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 13 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>I ACKNOWLEDGE THAT I HAVE THE RIGHT, AND THE
COMPANY IS ADVISING ME, TO CONSULT WITH INDEPENDENT LEGAL COUNSEL PRIOR TO SIGNING THIS AGREEMENT, AND I HAVE HAD A REASONABLE OPPORTUNITY
TO DO SO. I EITHER HAVE CONSULTED, OR HAVE VOLUNTARILY CHOSEN NOT TO CONSULT, WITH MY COUNSEL. I FURTHER ACKNOWLEDGE THAT I HAVE READ
THIS AGREEMENT CAREFULLY AND I UNDERSTAND AND ACCEPT THE OBLIGATIONS WHICH IT IMPOSES UPON ME WITHOUT RESERVATION. NO PROMISES OR REPRESENTATIONS
HAVE BEEN MADE TO ME TO INDUCE ME TO SIGN THIS AGREEMENT. I SIGN THIS AGREEMENT VOLUNTARILY AND KNOWINGLY.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,&nbsp;I
have executed this document as of _______________, 20__.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">&nbsp;</TD>
         <TD STYLE="text-align: left">EMPLOYEE:</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 50%">&nbsp;</TD><TD STYLE="text-align: left; width: 8%">&nbsp;</TD><TD STYLE="text-align: justify; width: 42%">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Signature:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Print
Name:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Address:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">&nbsp;</TD>
         <TD STYLE="text-align: left">COMPANY:</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 50%">&nbsp;</TD><TD STYLE="text-align: left; width: 8%">&nbsp;</TD><TD STYLE="text-align: justify; width: 42%">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Signature:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Print
Name:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Title:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.9
<SEQUENCE>9
<FILENAME>tm2430355d14_ex10-9.htm
<DESCRIPTION>EXHIBIT 10.9
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.9</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="padding-bottom: 1pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 5pt; text-align: center"><B>JEFFERSON CAPITAL,&nbsp;INC.</B></TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="border-right: Black 1pt solid; padding-bottom: 1pt; text-align: center; border-left: Black 1pt solid">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 5pt; text-align: center"><FONT STYLE="font-variant: small-caps; text-transform: uppercase"><B>2025</B></FONT><B>
<FONT STYLE="text-transform: uppercase">Incentive Award Plan</FONT></B></TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Stock
Option Grant Notice</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Capitalized terms not specifically
defined in this Stock Option Grant Notice (the &ldquo;<U>Grant Notice</U>&rdquo;) have the meanings given to them in the 2025 Incentive
Award Plan (as amended from time to time, the &ldquo;<U>Plan</U>&rdquo;) of Jefferson Capital,&nbsp;Inc. (the &ldquo;<U>Company</U>&rdquo;).
The Company hereby grants to the participant listed below (&ldquo;<U>Participant</U>&rdquo;) the stock option described in this Grant
Notice (the &ldquo;<U>Option</U>&rdquo;), subject to the terms and conditions of the Plan and the Stock Option Agreement attached hereto
as <U>Exhibit&nbsp;A</U> (the &ldquo;<U>Agreement</U>&rdquo;) and the Restrictive Covenant Agreement attached hereto as <U>Exhibit&nbsp;B</U>
(the &ldquo;<U>Restrictive Covenant Agreement</U>&rdquo;), all of which are incorporated into this Grant Notice by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><B>Participant:</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><I>[Insert Participant Name]</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><B>Grant Date:</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><I>[Insert Grant Date]</I></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-size: 10pt"><B>Exercise Price per Share:</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 5pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><I>[Insert Exercise Price]</I></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-size: 10pt"><B>Shares Subject to the Option:</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 5pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><I>[Insert Number of Options]</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><B>Final Expiration Date:</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><I>[Insert Expiration Date]</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><B>Vesting Commencement Date:</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><I>[Insert Vesting Commencement Date]</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><B>Vesting Schedule:</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 5pt"><FONT STYLE="font-size: 10pt"><I>[To be specified in individual agreements]</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%"><FONT STYLE="font-size: 10pt"><B>Type of Option</B></FONT></TD>
    <TD STYLE="width: 35%"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;Incentive
    Stock Option </FONT></TD>
    <TD STYLE="width: 35%"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;Non-Qualified Stock Option</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">By Participant&rsquo;s signature
below or electronic acceptance or authentication in a form authorized by the Company, Participant agrees to be bound by the terms of this
Grant Notice, the Plan and the Agreement. Participant has reviewed the Plan, this Grant Notice and the Agreement in their entirety, has
had an opportunity to obtain the advice of counsel prior to executing this Grant Notice and fully understands all provisions of the Plan,
this Grant Notice and the Agreement. Participant hereby agrees to accept as binding, conclusive and final all decisions or interpretations
of the Administrator upon any questions arising under the Plan or relating to the Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>JEFFERSON CAPITAL,&nbsp;INC.</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>PARTICIPANT</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 42%"></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 7%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 42%"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Print Name: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Print Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>Exhibit&nbsp;A</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>STOCK
OPTION AGREEMENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I.<BR>
GENERAL</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Incorporation
of Terms of Plan</U>. The Option is subject to the terms and conditions set forth in this Agreement and the Plan, which is incorporated
herein by reference. In the event of any inconsistency between the Plan and this Agreement, the terms of the Plan will control.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">1.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Defined
Terms</U>. Capitalized terms not specifically defined herein shall have the meanings specified in the Plan or the Grant Notice. For purposes
of this Agreement,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Cessation
Date</U>&rdquo; shall mean the date of Participant&rsquo;s Termination of Service (regardless of the reason for such termination).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Participating
Company</U>&rdquo; shall mean the Company or any of its parents or Subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II.<BR>
GRANT OF OPTION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">2.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Grant
of Option</U>. In consideration of Participant&rsquo;s past and/or continued employment with or service to a Participating Company and
for other good and valuable consideration, effective as of the grant date set forth in the Grant Notice (the &ldquo;<U>Grant Date</U>&rdquo;),
the Company has granted to the Participant the Option to purchase any part or all of an aggregate number of Shares set forth in the Grant
Notice, upon the terms and conditions set forth in the Grant Notice, the Plan and this Agreement, subject to adjustment as provided in
Article&nbsp;VIII of the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">2.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Exercise
Price</U>. The exercise price per Share of the Shares subject to the Option (the &ldquo;<U>Exercise Price</U>&rdquo;) shall be as set
forth in the Grant Notice.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">2.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Consideration
to the Company</U>. In consideration of the grant of the Option by the Company, Participant agrees to render faithful and efficient services
to any Participating Company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III.<BR>
PERIOD OF EXERCISABILITY</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">3.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Commencement
of Exercisability</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subject
to Participant&rsquo;s continued employment with or service to a Participating Company on each applicable vesting date and subject to
<U>Sections&nbsp;3.2</U>, <U>3.3</U>, <U>5.9</U> and <U>5.14</U> hereof, the Option shall become vested and exercisable in such amounts
and at such times as are set forth in the Grant Notice.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Unless
otherwise determined by the Administrator or as set forth in a written agreement between Participant and the Company, any portion of the
Option that has not become vested and exercisable on or prior to the Cessation Date (including, without limitation, pursuant to any employment
or similar agreement by and between Participant and the Company) shall be forfeited on the Cessation Date and shall not thereafter become
vested or exercisable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">3.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Duration
of Exercisability</U>. The installments provided for in the vesting schedule set forth in the Grant Notice are cumulative. Each such
installment that becomes vested and exercisable pursuant to the vesting schedule set forth in the Grant Notice shall remain vested and
exercisable until it becomes unexercisable under <U>Section&nbsp;3.3</U> hereof. Once the Option becomes unexercisable, it shall be forfeited
immediately.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">3.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Expiration
of Option</U>. The Option may not be exercised to any extent by anyone after the first to occur of the following events:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
expiration date set forth in the Grant Notice; provided that such expiration date shall not be later than the tenth (10th) anniversary
of the Grant Date;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as the Administrator may otherwise approve, the ninetieth (90th) day following the Cessation Date by reason of Participant&rsquo;s Termination
of Service for any reason other than due to death, Disability or by a Participating Company for Cause;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as the Administrator may otherwise approve, immediately upon the Cessation Date by reason of Participant&rsquo;s Termination of Service
by a Participating Company for Cause; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
expiration of twelve (12) months from the Cessation Date by reason of Participant&rsquo;s Termination of Service due to death or Disability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">3.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Tax
Withholding</U>. Notwithstanding any other provision of this Agreement:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Participating Companies have the authority to deduct or withhold, or require Participant to remit to the applicable Participating Company,
an amount sufficient to satisfy any applicable federal, state, local and foreign taxes (including the employee portion of any FICA obligation)
required by Applicable Law to be withheld with respect to any taxable event arising pursuant to this Agreement. The Participating Companies
may withhold or Participant may make such payment in one or more of the forms specified below:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
cash or check made payable to the Participating Company with respect to which the withholding obligation arises;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
the deduction of such amount from other compensation payable to Participant;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">with
respect to any withholding taxes arising in connection with the exercise of the Option, with the consent of the Administrator, by requesting
that the Participating Companies withhold a net number of vested Shares otherwise issuable upon the exercise of the Option having a then
current Fair Market Value not exceeding the amount necessary to satisfy the withholding obligation of the Participating Companies based
on the maximum statutory withholding rates in Participant&rsquo;s applicable jurisdictions for federal, state, local and foreign income
tax and payroll tax purposes that are applicable to such taxable income;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(iv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">with
respect to any withholding taxes arising in connection with the exercise of the Option, with the consent of the Administrator, by tendering
to the Company vested Shares held for such period of time as may be required by the Administrator in order to avoid adverse accounting
consequences and having a then current Fair Market Value not exceeding the amount necessary to satisfy the withholding obligation of
the Participating Companies based on the maximum statutory withholding rates in Participant&rsquo;s applicable jurisdictions for federal,
state, local and foreign income tax and payroll tax purposes that are applicable to such taxable income;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0.75in; text-indent: 0in; text-align: justify">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(v)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">with
respect to any withholding taxes arising in connection with the exercise of the Option, through the delivery of a notice that Participant
has placed a market sell order with a broker acceptable to the Company with respect to Shares then issuable to Participant pursuant to
the Option, and that the broker has been directed to pay a sufficient portion of the net proceeds of the sale to the Participating Company
with respect to which the withholding obligation arises in satisfaction of such withholding taxes; provided that payment of such proceeds
is then made to the applicable Participating Company at such time as may be required by the Administrator, but in any event not later
than the settlement of such sale; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(vi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">in
any combination of the foregoing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">With
respect to any withholding taxes arising in connection with the Option, in the event Participant fails to provide timely payment of all
sums required pursuant to <U>Section&nbsp;3.4(a)</U>, the Company shall have the right and option, but not the obligation, to treat such
failure as an election by Participant to satisfy all or any portion of Participant&rsquo;s required payment obligation pursuant to <U>Section&nbsp;3.4(a)(ii)</U>&nbsp;or
<U>Section&nbsp;3.4(a)(iii)</U>&nbsp;above, or any combination of the foregoing as the Company may determine to be appropriate. The Company
shall not be obligated to deliver any certificate representing Shares issuable with respect to the exercise of the Option to, or to cause
any such Shares to be held in book-entry form by, Participant or his or her legal representative unless and until Participant or his or
her legal representative shall have paid or otherwise satisfied in full the amount of all federal, state, local and foreign taxes applicable
with respect to the taxable income of Participant resulting from the exercise of the Option or any other taxable event related to the
Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event any tax withholding obligation arising in connection with the Option will be satisfied under <U>Section&nbsp;3.4(a)(iii)</U>,
then the Company may elect to instruct any brokerage firm determined acceptable to the Company for such purpose to sell on Participant&rsquo;s
behalf a whole number of Shares from those Shares then issuable upon the exercise of the Option as the Company determines to be appropriate
to generate cash proceeds sufficient to satisfy the tax withholding obligation and to remit the proceeds of such sale to the Participating
Company with respect to which the withholding obligation arises. Participant&rsquo;s acceptance of this Option constitutes Participant&rsquo;s
instruction and authorization to the Company and such brokerage firm to complete the transactions described in this <U>Section&nbsp;3.4(c)</U>,
including the transactions described in the previous sentence, as applicable. The Company may refuse to issue any Shares to Participant
until the foregoing tax withholding obligations are satisfied, provided that no payment shall be delayed under this <U>Section&nbsp;3.4(c)</U>&nbsp;if
such delay will result in a violation of Section&nbsp;409A.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Participant
is ultimately liable and responsible for all taxes owed in connection with the Option, regardless of any action any Participating Company
takes with respect to any tax withholding obligations that arise in connection with the Option. No Participating Company makes any representation
or undertaking regarding the treatment of any tax withholding in connection with the awarding, vesting or exercise of the Option or the
subsequent sale of Shares. The Participating Companies do not commit and are under no obligation to structure the Option to reduce or
eliminate Participant&rsquo;s tax liability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV.<BR>
EXERCISE OF OPTION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Person
Eligible to Exercise</U>. During the lifetime of Participant, only Participant may exercise the Option or any portion thereof. After
the death of Participant, any exercisable portion of the Option may, prior to the time when the Option becomes unexercisable under <U>Section&nbsp;3.3</U>
hereof, be exercised by Participant&rsquo;s personal representative or by any Person empowered to do so under the deceased Participant&rsquo;s
will or under the then Applicable Laws of descent and distribution.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Partial
Exercise</U>. Subject to <U>Section&nbsp;5.2</U>, any exercisable portion of the Option or the entire Option, if then wholly exercisable,
may be exercised in whole or in part at any time prior to the time when the Option or portion thereof becomes unexercisable under <U>Section&nbsp;3.3</U>
hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Manner
of Exercise</U>. The Option, or any exercisable portion thereof, may be exercised solely by delivery to the Secretary of the Company
(or any third party administrator or other Person designated by the Company), during regular business hours, of all of the following
prior to the time when the Option or such portion thereof becomes unexercisable under <U>Section&nbsp;3.3</U> hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">An
exercise notice in a form specified by the Administrator, stating that the Option or portion thereof is thereby exercised, such notice
complying with all applicable rules&nbsp;established by the Administrator;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
receipt by the Company of full payment for the Shares with respect to which the Option or portion thereof is exercised, in such form
of consideration permitted under <U>Section&nbsp;4.4</U> that is acceptable to the Administrator;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
payment of any applicable withholding tax in accordance with <U>Section&nbsp;3.4</U>;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Any
other written representations or documents as may be required in the Administrator&rsquo;s sole discretion to effect compliance with Applicable
Law; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event the Option or portion thereof shall be exercised pursuant to <U>Section&nbsp;4.1</U> by any Person or Persons other than Participant,
appropriate proof of the right of such Person or Persons to exercise the Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding any of the
foregoing, the Administrator shall have the right to specify all conditions of the manner of exercise, which conditions may vary by country
and which may be subject to change from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Method
of Payment</U>. Payment of the Exercise Price shall be by any of the following, or a combination thereof, at the election of Participant:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Cash
or check;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">With
the consent of the Administrator, surrender of vested Shares (including, without limitation, Shares otherwise issuable upon exercise
of the Option) held for such period of time as may be required by the Administrator in order to avoid adverse accounting consequences
and having a Fair Market Value on the date of delivery equal to the aggregate Exercise Price of the Option or exercised portion thereof;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Through
the delivery of a notice that Participant has placed a market sell order with a broker acceptable to the Company with respect to Shares
then issuable upon exercise of the Option, and that the broker has been directed to pay a sufficient portion of the net proceeds of the
sale to the Company in satisfaction of the Exercise Price; provided that payment of such proceeds is then made to the Company at such
time as may be required by the Administrator, but in any event not later than the settlement of such sale; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Any
other form of legal consideration acceptable to the Administrator.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conditions
to Issuance of Shares</U>. The Company shall not be required to issue or deliver any certificate or certificates for any Shares or to
cause any Shares to be held in book-entry form prior to the fulfillment of all of the following conditions: (a)&nbsp;the admission of
the Shares to listing on all stock exchanges on which such Shares are then listed, (b)&nbsp;the completion of any registration or other
qualification of the Shares under any state or federal law or under rulings or regulations of the Securities and Exchange Commission
or other governmental regulatory body, which the Administrator shall, in its absolute discretion, deem necessary or advisable, (c)&nbsp;the
obtaining of any approval or other clearance from any state or federal governmental agency that the Administrator shall, in its absolute
discretion, determine to be necessary or advisable, (d)&nbsp;the receipt by the Company of full payment for such Shares, which may be
in one or more of the forms of consideration permitted under <U>Section&nbsp;4.4</U>, and (e)&nbsp;the receipt of full payment of any
applicable withholding tax in accordance with <U>Section&nbsp;3.4</U> by the Participating Company with respect to which the applicable
withholding obligation arises.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Rights
as Stockholder</U>. Neither Participant nor any Person claiming under or through Participant will have any of the rights or privileges
of a stockholder of the Company in respect of any Shares purchasable upon the exercise of any part of the Option unless and until certificates
representing such Shares (which may be in book-entry form) will have been issued and recorded on the records of the Company or its transfer
agents or registrars and delivered to Participant (including through electronic delivery to a brokerage account). No adjustment will
be made for a dividend or other right for which the record date is prior to the date of such issuance, recordation and delivery, except
as provided in Article&nbsp;VIII of the Plan. Except as otherwise provided herein, after such issuance, recordation and delivery, Participant
will have all the rights of a stockholder of the Company with respect to such Shares, including, without limitation, the right to receipt
of dividends and distributions on such Shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Restrictive
Covenants; Forfeiture</U>. As a condition to the receipt of the Options, the Participant agrees to execute and comply with the Restrictive
Covenant Agreement attached hereto as <U>Exhibit&nbsp;B</U>. Further, the Participant hereby acknowledges and agrees that any restrictive
covenants or similar written agreements, including without limitation the Restrictive Covenant Agreement (the &ldquo;<U>Restrictive Covenant
Agreements</U>&rdquo;) between such Participant and the Company or any other Participating Company are incorporated herein by reference,
and that such agreements, as applicable, remain in full force and effect. In the event the Participant materially breaches the Restrictive
Covenant Agreements or any other written covenants between such Participant and any Participating Company, the Participant shall immediately
forfeit any and all Options granted under this Agreement (whether or not vested), and Participant&rsquo;s rights in any such Options
shall lapse and expire. For the avoidance of doubt, such forfeiture, lapse and expiration shall not limit the Participating Companies&rsquo;
ability to seek other remedies for such breach.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V.<BR>
other provisions</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Administration</U>.
The Administrator shall have the power to interpret the Plan, the Grant Notice and this Agreement and to adopt such rules&nbsp;for the
administration, interpretation and application of the Plan, the Grant Notice and this Agreement as are consistent therewith and to interpret,
amend or revoke any such rules. All actions taken and all interpretations and determinations made by the Administrator will be final
and binding upon Participant, the Company and all other interested Persons. To the extent allowable pursuant to Applicable Law, no member
of the Committee or the Board will be personally liable for any action, determination or interpretation made with respect to the Plan,
the Grant Notice or this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Whole
Shares</U>. The Option may only be exercised for whole Shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Option
Not Transferable</U>. The Option shall be subject to the restrictions on transferability set forth in Section&nbsp;9.1 of the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Adjustments</U>.
The Administrator may accelerate the vesting of all or a portion of the Option in such circumstances as it, in its sole discretion, may
determine. Participant acknowledges that the Option is subject to adjustment, modification and termination in certain events as provided
in this Agreement and the Plan, including Article&nbsp;VIII of the Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Notices</U>.
Any notice to be given under the terms of this Agreement to the Company shall be addressed to the Company in care of the Secretary of
the Company at the Company&rsquo;s principal office, and any notice to be given to Participant shall be addressed to Participant at Participant&rsquo;s
last email or physical address reflected on the Company&rsquo;s records. By a notice given pursuant to this <U>Section&nbsp;5.5</U>,
either party may hereafter designate a different address for notices to be given to that party. Any notice shall be deemed duly given
when sent via email (to Participant only) or when sent by certified mail (return receipt requested) and deposited (with postage prepaid)
in a post office or branch post office regularly maintained by the United States Postal Service.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Titles</U>.
Titles are provided herein for convenience only and are not to serve as a basis for interpretation or construction of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Governing
Law</U>. The laws of the State of Delaware shall govern the interpretation, validity, administration, enforcement and performance of
the terms of this Agreement regardless of the law that might be applied under principles of conflicts of laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conformity
to Securities Laws</U>. Participant acknowledges that the Plan, the Grant Notice and this Agreement are intended to conform to the extent
necessary with all Applicable Laws, including, without limitation, the provisions of the Securities Act and the Exchange Act, and any
and all regulations and rules&nbsp;promulgated thereunder by the Securities and Exchange Commission and state securities laws and regulations.
Notwithstanding anything herein to the contrary, the Plan shall be administered, and the Option is granted and may be exercised, only
in such a manner as to conform to Applicable Law. To the extent permitted by Applicable Law, the Plan, the Grant Notice and this Agreement
shall be deemed amended to the extent necessary to conform to Applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment,
Suspension and Termination</U>. To the extent permitted by the Plan, this Agreement may be wholly or partially amended or otherwise modified,
suspended or terminated at any time or from time to time by the Administrator or the Board, provided that, except as may otherwise be
provided by the Plan, no amendment, modification, suspension or termination of this Agreement shall adversely affect the Option in any
material respect without the prior written consent of Participant.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Successors
and Assigns</U>. The Company may assign any of its rights under this Agreement to single or multiple assignees, and this Agreement shall
inure to the benefit of the successors and assigns of the Company. Subject to the restrictions on transfer set forth in <U>Section&nbsp;5.3</U>
and the Plan, this Agreement shall be binding upon and inure to the benefit of the heirs, legatees, legal representatives, successors
and assigns of the parties hereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Limitations
Applicable to Section&nbsp;16 Persons</U>. Notwithstanding any other provision of the Plan or this Agreement, if Participant is subject
to Section&nbsp;16 of the Exchange Act, the Plan, the Option, the Grant Notice and this Agreement shall be subject to any additional
limitations set forth in any applicable exemptive rule&nbsp;under Section&nbsp;16 of the Exchange Act (including any amendment to Rule&nbsp;16b-3
of the Exchange Act) that are requirements for the application of such exemptive rule. To the extent permitted by Applicable Law, this
Agreement shall be deemed amended to the extent necessary to conform to such applicable exemptive rule.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Not
a Contract of Service Relationship</U>. Nothing in this Agreement or in the Plan shall confer upon Participant any right to continue
to serve as an employee or other service provider of any Participating Company or shall interfere with or restrict in any way the rights
of any Participating Company, which rights are hereby expressly reserved, to discharge or terminate the services of Participant at any
time for any reason whatsoever, with or without cause, except to the extent (i)&nbsp;expressly provided otherwise in a written agreement
between a Participating Company and Participant or (ii)&nbsp;where such provisions are not consistent with applicable foreign or local
laws, in which case such applicable foreign or local laws shall control.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Entire
Agreement</U>; <U>Forfeiture of Prior Class&nbsp;B Units</U>. The Plan, the Grant Notice and this Agreement (including any exhibit&nbsp;hereto)
constitute the entire agreement of the parties and supersede in their entirety all prior undertakings and agreements of the Company and
Participant with respect to the subject matter hereof. Participant agrees that in consideration of the receipt of the Options, Participant
waives any right, title or interest Participant may have pursuant to any Class&nbsp;B Units previously granted to Participant in Management
Invest LLC (and the corresponding Class&nbsp;B Units in JCAP TopCo, LLC) (the &ldquo;<U>Class&nbsp;B Units</U>&rdquo;), and acknowledges
that following the effective date of the reorganization transactions undergone in connection with the Company&rsquo;s initial public
offering, Participant will (i)&nbsp;hold no Class&nbsp;B Units, (ii)&nbsp;no longer be a member of Management Invest LLC and (iii)&nbsp;have
no surviving rights under the governing documents of Management Invest LLC or JCAP TopCo, LLC (including, without limitation, any plan
or award agreement governing such Class&nbsp;B Units).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Section&nbsp;409A</U>.
This Option is not intended to constitute &ldquo;nonqualified deferred compensation&rdquo; within the meaning of Section&nbsp;409A. However,
notwithstanding any other provision of the Plan, the Grant Notice or this Agreement, if at any time the Administrator determines that
this Option (or any portion thereof) may be subject to Section&nbsp;409A, the Administrator shall have the right in its sole discretion
(without any obligation to do so or to indemnify Participant or any other Person for failure to do so) to adopt such amendments to the
Plan, the Grant Notice or this Agreement, or adopt other policies and procedures (including amendments, policies and procedures with
retroactive effect), or take any other actions, as the Administrator determines are necessary or appropriate for this Option either to
be exempt from the application of Section&nbsp;409A or to comply with the requirements of Section&nbsp;409A.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.15</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Agreement
Severable</U>. In the event that any provision of the Grant Notice or this Agreement is held invalid or unenforceable, such provision
will be severable from, and such invalidity or unenforceability will not be construed to have any effect on, the remaining provisions
of the Grant Notice or this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.16</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Limitation
on Participant&rsquo;s Rights</U>. Participation in the Plan confers no rights or interests other than as herein provided. This Agreement
creates only a contractual obligation on the part of the Company as to amounts payable and shall not be construed as creating a trust.
Neither the Plan nor any underlying program, in and of itself, has any assets. Participant shall have only the right to receive Shares
as a general unsecured creditor with respect to the Option, as and when exercised pursuant to the terms hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.17</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Counterparts</U>.
The Grant Notice may be executed in one or more counterparts, including by way of any electronic signature, subject to Applicable Law,
each of which shall be deemed an original and all of which together shall constitute one instrument.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.18</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Broker-Assisted
Sales</U>. In the event of any broker-assisted sale of Shares in connection with the payment of withholding taxes as provided in <U>Section&nbsp;3.4(c)</U>&nbsp;or
the payment of the Exercise Price as provided in <U>Section&nbsp;4.4(c)</U>: (a)&nbsp;any Shares to be sold through a broker-assisted
sale will be sold on the day the tax withholding obligation or exercise of the Option, as applicable, occurs or arises, or as soon thereafter
as practicable; (b)&nbsp;such Shares may be sold as part of a block trade with other participants in the Plan in which all participants
receive an average price; (c)&nbsp;Participant will be responsible for all broker&rsquo;s fees and other costs of sale, and Participant
agrees to indemnify and hold the Company harmless from any losses, costs, damages, or expenses relating to any such sale; (d)&nbsp;to
the extent the proceeds of such sale exceed the applicable tax withholding obligation or Exercise Price, the Company agrees to pay such
excess in cash to Participant as soon as reasonably practicable; (e)&nbsp;Participant acknowledges that the Company or its designee is
under no obligation to arrange for such sale at any particular price, and that the proceeds of any such sale may not be sufficient to
satisfy the applicable tax withholding obligation or Exercise Price; and (f)&nbsp;in the event the proceeds of such sale are insufficient
to satisfy the applicable tax withholding obligation, Participant agrees to pay immediately upon demand to the Participating Company
with respect to which the withholding obligation arises an amount in cash sufficient to satisfy any remaining portion of the applicable
Participating Company&rsquo;s withholding obligation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.19</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Clawback</U>.
The Option (including any proceeds, gains or other economic benefit actually or constructively received by the Participant upon any receipt
or exercise of the Option or upon the receipt or resale of any Shares underlying the Option) will be subject to any Company claw-back
policy as in effect from time to time, including any claw-back policy adopted to comply with Applicable Laws (including the Dodd-Frank
Wall Street Reform and Consumer Protection Act and any rules&nbsp;or regulations promulgated thereunder).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.20</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Incentive
Stock Options</U>. Participant acknowledges that to the extent the aggregate Fair Market Value of Shares (determined as of the time the
option with respect to the Shares is granted) with respect to which Incentive Stock Options, including this Option (if applicable), are
exercisable for the first time by Participant during any calendar year exceeds $100,000 or if for any other reason such Incentive Stock
Options do not qualify or cease to qualify for treatment as &ldquo;incentive stock options&rdquo; under Section&nbsp;422 of the Code,
such Incentive Stock Options shall be treated as Non-Qualified Stock Options. Participant further acknowledges that the rule&nbsp;set
forth in the preceding sentence shall be applied by taking the Option and other stock options into account in the order in which they
were granted, as determined under Section&nbsp;422(d)&nbsp;of the Code and the Treasury Regulations thereunder. Participant also acknowledges
that an Incentive Stock Option exercised more than three (3)&nbsp;months after Participant&rsquo;s Termination of Service, other than
by reason of death or disability, will be taxed as a Non-Qualified Stock Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.21</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Notification
of Disposition</U>. If this Option is designated as an Incentive Stock Option, Participant shall give prompt written notice to the Company
of any disposition or other transfer of any Shares acquired under this Agreement if such disposition or transfer is made (a)&nbsp;within
two (2)&nbsp;years from the Grant Date or (b)&nbsp;within one (1)&nbsp;year after the transfer of such Shares to Participant. Such notice
shall specify the date of such disposition or other transfer and the amount realized, in cash, other property, assumption of indebtedness
or other consideration, by Participant in such disposition or other transfer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>*&nbsp;*&nbsp;*&nbsp;*&nbsp;*</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>Exhibit&nbsp;B</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>Restrictive
Covenant Agreement</U><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP></SUP></FONT></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In consideration for the opportunity
to receive those certain stock options of Jefferson Capital,&nbsp;Inc. (the &ldquo;<U>Company</U>&rdquo;) pursuant to that certain Grant
Notice and Stock Option Agreement between the undersigned individual (the &ldquo;<U>Participant</U>&rdquo;) and the Company (such stock
options, the &ldquo;<U>Options</U>&rdquo;), and for other good and valuable consideration, and as a condition precedent to the grant of
the Options, Participant hereby agrees as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="text-transform: uppercase"><B>1.</B></FONT></TD><TD><FONT STYLE="text-transform: uppercase"><B>nOn-Competition and non-solicitation</B>.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify"><U>Non-Competition</U>. During the term of Participant&rsquo;s employment [and, if permitted under applicable
law, during the one (1)&nbsp;year period immediately following the date of Participant&rsquo;s termination from the Company ]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>2</SUP></FONT>(the
 &ldquo;<U>Non-Compete Restricted Period</U>&rdquo;), Participant agrees that Participant will not, directly or indirectly, for Participant&rsquo;s
own benefit or for the benefit of any other individual or entity other than the Company: (i)&nbsp;operate, conduct, or engage in, or prepare
to operate, conduct, or engage in the Business (as defined below); (ii)&nbsp;own, finance, or invest in (except as the holder of not more
than one percent (1%) of the outstanding stock of a publicly-held company) any Business, or (iii)&nbsp;render services to any person or
entity that engages in or is preparing to engage in the Business in any capacity, whether as an employee, consultant, contractor, partner,
officer, director, or otherwise, which involves the same or similar types of services Participant performed for the Company at any time
during the prior two years of Participant&rsquo;s employment with the Company, which involve executive, financial, strategic, or operational
duties, or in which Participant could reasonably be expected to use or disclose Confidential Information, in each case (i), (ii), or (iii)&nbsp;in
the Restricted Territory (as defined below).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Non-Solicitation of Company Customer</U>. During the term of Participant&rsquo;s employment [and, if
permitted under applicable law, during the one (1)&nbsp;year period immediately following the date of Participant&rsquo;s termination
from the Company ]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>3</SUP></FONT>(the &ldquo;<U>Non-Solicit Restricted
Period</U>&rdquo;), Participant will not, directly or indirectly, for Participant&rsquo;s own benefit or for the benefit of any other
individual or entity: (a)&nbsp;solicit business from any Company Customer (as defined below) or provide or offer to provide to any Company
Customer any products or services that are similar to or otherwise competitive with any product or service provided by, or that could
be provided by, the Company; (b)&nbsp;cause or encourage any Company Customer to reduce or cease doing business with the Company, or (c)&nbsp;otherwise
negatively interfere with the Company&rsquo;s relationships with any Company Customer.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify"><U>Non-Solicitation of Company Personnel</U>. During the Non-Solicit Restricted Period (together with
the Non-Compete Restricted Period, the &ldquo;<U>Restricted Periods</U>&rdquo; and each a &ldquo;<U>Restricted Period</U>&rdquo;), Participant
will not, directly or indirectly, for Participant&rsquo;s own benefit or for the benefit of any other individual or entity: (a)&nbsp;employ
or hire any Company Personnel (as defined below) in any capacity (whether as an employee, contractor, consultant or otherwise); (b)&nbsp;solicit
or attempt to solicit for employment or hire any Company Personnel in any capacity; (c)&nbsp;entice or induce any Company Personnel to
leave his or her or their employment with the Company; or (d)&nbsp;otherwise negatively interfere with the Company&rsquo;s relationship
with any Company Personnel. Notwithstanding the foregoing, a general solicitation or advertisement for job opportunities that Participant
may publish without targeting any Company Personnel shall not be considered a violation of this Section&nbsp;1(b).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>2</SUP></FONT>
<U>Note to Draft</U>: <B>Not to be included for Minnesota employees, but can be included for Minnesota board members who are not employees.</B>
Include bracketed text for (i) Participants located in Utah and Georgia and (ii) Participants located in Colorado provided they meet
the applicable salary threshold under Colorado law as then in effect ($127,091 in 2025).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>3</SUP></FONT>
<U>Note to Draft</U>: Include bracketed text for Participants located in Minnesota, Utah, and Georgia. In Colorado, include provided
they meet the applicable salary threshold under Colorado law as then in effect ($76,254.60 for non-solicit covenants in 2025).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">d.</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><U>Tolling
Period</U>. If the Non-Compete Restricted Period and/or Non-Solicit Restricted Period applies following the termination of Participant&rsquo;s
employment with the Company, and if permitted by appliable law, then without limiting the Company&rsquo;s ability to seek other remedies
available in law or equity, if Participant violates any of the provisions of Sections 1(a), (b), or (c), the applicable Restricted Period
shall be extended by one day for each day that Participant is in violation of such provisions, up to a maximum extension equal to the
length of the applicable post-termination Restricted Period, so as to give the Company the full benefit of the bargained-for length of
forbearance.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">e.</TD><TD STYLE="text-align: justify"><U>Definitions</U>. As used in this Agreement:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Business</U>&rdquo; means any business or part thereof that develops, manufactures,
markets, licenses, sells or provides any product or service that competes with any product or service developed, manufactured, marketed,
licensed, sold or provided by the Company at any time during Participant&rsquo;s employment with the Company, or with a product or service
planned to be developed, manufactured, marketed, licensed, sold or provided by the Company as of any time during the prior one (1)&nbsp;year
of Participant&rsquo;s employment with the, excluding any business or planned business in which Participant had no duties or responsibilities
and about which Participant acquired no Proprietary Information during Participant&rsquo;s employment with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Company Customer</U>&rdquo; means any individual or entity who (i)&nbsp;is, or was
during the prior one (1)&nbsp;year of Participant&rsquo;s employment with the Company, a customer, supplier, or vendor of the Company
of whom Participant learned, with whom Participant had business contact or about whom Participant obtained Proprietary Information at
any time during Participant&rsquo;s employment with the Company, or (ii)&nbsp;is a prospective customer, supplier, or vendor of the Company
of whom Participant learned, with whom Participant had business contact, or about whom Participant obtained Proprietary Information as
part of a solicitation of business on behalf of the Company at any time during the prior one (1)&nbsp;year of Participant&rsquo;s employment
with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">iii.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Company Personnel</U>&rdquo; means any individual or entity who is or was at any time
during the six (6)&nbsp;month period prior to Participant&rsquo;s solicitation or other activity prohibited by Section&nbsp;1(b), employed
or engaged (whether as an employee, consultant, independent contractor or in any other capacity) by the Company, excluding any individual
or entity with whom or which Participant had no contact and about whom Participant acquired no information during Participant&rsquo;s
employment with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">iv.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>employment</U>&rdquo; means any period of employment or engagement, whether as an employee,
independent contractor, board member, or otherwise, with the Company. Participant agrees that neither Participant&rsquo;s reclassification
from an employee to an independent contractor, or vice versa, nor the technical transfer of Participant&rsquo;s employment from one Company
entity to another Company entity, shall not serve as a termination for purposes of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">v.</TD><TD STYLE="text-align: justify">The term &ldquo;<U>Restricted Territory</U>&rdquo; means each city, county, state, territory and country
in which (i)&nbsp;Participant provided services or had a material presence or influence at any time during the prior two years of Participant&rsquo;s
employment with the Company or (ii)&nbsp;the Company is engaged in or has plans to engage in the business during the prior one year of
Participant&rsquo;s employment with the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD><B>PROPRIETARY INFORMATION</B>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">During the term of Participant&rsquo;s employment, Participant may receive and otherwise be exposed, directly
or indirectly, to confidential and proprietary information of the Company whether in graphic, written, electronic, audible or oral form,
including without limitation information relating to the Company&rsquo;s business, strategies, designs, products, services and technologies
and any derivatives, improvements and enhancements relating to any of the foregoing, or to the Company&rsquo;s suppliers, customers or
business partners (collectively &ldquo;<U>Proprietary Information</U>&rdquo;). Proprietary Information may be identified at the time of
disclosure as confidential or proprietary or information which by its context would reasonably be deemed to be confidential or proprietary.
 &ldquo;<U>Proprietary Information</U>&rdquo; may also include without limitation (a)(i)&nbsp;unpublished patent disclosures and patent
applications and other filings, know-how, trade secrets, copyrightable works, works of authorship and other intellectual property, as
well as any information regarding ideas, inventions, technology, and processes, including without limitation assays, sketches, schematics,
techniques, drawings, designs, descriptions, specifications and technical documentation, (ii)&nbsp;specifications, protocols, models,
designs, equipment, engineering, algorithms, software programs, software source documents, formulae, (iii)&nbsp;information concerning
or resulting from any research and development or other project, including without limitation, experimental work, product development
plans, regulatory compliance information, and research, development and regulatory strategies, and (iv)&nbsp;business and financial information,
including without limitation purchasing, procurement, manufacturing, customer lists, information relating to investors, employees, business
and contractual relationships, business forecasts, sales and merchandising, business and marketing plans, product plans, and business
strategies, including without limitation information the Company provides regarding third parties, such as, but not limited to, suppliers,
customers, employees, investors, or vendors; and (b)&nbsp;any other information, to the extent such information contains, reflects or
is based upon any of the foregoing Proprietary Information. The Proprietary Information may also include information of a third party
that is disclosed to Participant by the Company or such third party at the Company&rsquo;s direction.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Obligations of Non-Use and Nondisclosure</U>. Participant acknowledges the confidential and secret
character of the Proprietary Information, and agrees that the Proprietary Information is the sole, exclusive and valuable property of
the Company. Except as permitted herein below or in Section&nbsp;2(c), Participant agrees not to use the Proprietary Information except
in the performance of Participant&rsquo;s authorized duties as an employee of the Company, and not to disclose all or any part of the
Proprietary Information in any form to any third party, either during or after the term of Participant&rsquo;s employment, without the
prior written consent of the Company on a case-by-case basis. Upon termination of Participant&rsquo;s employment, Participant agrees to
cease using and to return to the Company all whole and partial copies and derivatives of the Proprietary Information, whether in Participant&rsquo;s
possession or under Participant&rsquo;s direct or indirect control, provided that Participant is entitled to retain Participant&rsquo;s
personal copies of (a)&nbsp;Participant&rsquo;s compensation records, (b)&nbsp;materials distributed to stockholders generally, and (c)&nbsp;this
Agreement. Participant understands that Participant&rsquo;s obligations of nondisclosure with respect to Proprietary Information shall
not apply to information that Participant can establish by competent proof (x)&nbsp;arise from Participant&rsquo;s general training, knowledge,
skill or experience, whether gained on the job or otherwise, (y)&nbsp;that is readily ascertainable to the public, or (z)&nbsp;that Participant
otherwise has a right to disclose as legally protected conduct. If Participant becomes compelled by law, regulation (including without
limitation the rules&nbsp;of any applicable securities exchange), court order, or other governmental authority to disclose the Proprietary
Information, Participant shall, to the extent possible and permissible under applicable law, first give the Company prompt notice. Participant
agrees to cooperate reasonably with the Company in any proceeding to obtain a protective order or other remedy. If such protective order
or other remedy is not obtained, Participant shall only disclose that portion of such Proprietary Information required to be disclosed,
in the opinion of Participant&rsquo;s legal counsel. Participant shall request that confidential treatment be accorded such Proprietary
Information, where available. Compulsory disclosures made pursuant to this Section&nbsp;shall not relieve Participant of Participant&rsquo;s
obligations of confidentiality and non-use with respect to non-compulsory disclosures. Participant shall promptly notify Participant&rsquo;s
supervisor or any officer of the Company if Participant learns of any possible unauthorized use or disclosure of Proprietary Information
and shall cooperate fully with the Company to enforce its rights in such information.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify"><U>Protected Activity</U>. Participant understands that nothing in this Agreement is intended to or shall
prevent Participant from (i)&nbsp;communicating directly with, cooperating with, providing information to, or filing a charge with, any
federal, state or local government regulator, including, but not limited to, the U.S. Securities and Exchange Commission, the U.S. Commodity
Futures Trading Commission, or the U.S. Department of Justice, (ii)&nbsp;engaging in concerted activity, including discussing wages or
working conditions, or engaging in other rights, if any, protected by Section&nbsp;7 of the U.S. National Labor Relations Act or similar
law, to the extent applicable to Participant, (iii)&nbsp;discussing or disclosing information about unlawful acts in the work such as
harassment, discrimination, or any other conduct Participant has reason to believe is unlawful, or (iv)&nbsp;providing truthful testimony
in a legal, legislative, administrative, or arbitration proceeding. Further, Participant acknowledges that the Company has provided Participant
notice of Participant immunity rights under the U.S. Defend Trade Secrets Act, which states: (1)&nbsp;an individual shall not be held
criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made (A)&nbsp;in
confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, solely for the purpose
of reporting or investigating a suspected violation of law; or (B)&nbsp;in a complaint or other document filed in a lawsuit or other proceeding,
if such filing is made under seal; and (2)&nbsp;an individual who files a lawsuit for retaliation by an employer for reporting a suspected
violation of law may disclose the trade secret to the attorney of the individual and use the trade secret information in the court proceeding,
if the individual files any document containing the trade secret under seal and does not disclose the trade secret, except pursuant to
court order.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">d.</TD><TD STYLE="text-align: justify"><U>Property of the Company</U>. Participant acknowledges and agrees that all notes, memoranda, reports,
drawings, blueprints, manuals, materials, data, emails and other papers and records of every kind, or other tangible or intangible materials
which shall come into Participant&rsquo;s possession in the course of Participant&rsquo;s employment with the Company, relating to any
Proprietary Information, shall be the sole and exclusive property of the Company and Participant hereby assigns any rights or interests
Participant may obtain in any of the foregoing to the Company. Participant agrees to surrender this property to the Company upon termination
of Participant&rsquo;s employment, or at any time upon request by the Company. Participant further agrees that any property situated on
the Company&rsquo;s data systems or premises and owned by the Company, including without limitation electronic storage media, filing cabinets
or other work areas, is subject to inspection by the Company at any time with or without notice.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>3.</B></TD><TD><B>NON-DISPARAGEMENT</B>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">Subject to Section&nbsp;2(c), Participant covenants and declares that Participant will not at any time
make, publish or communicate to any individual or entity, or in any public forum make, any defamatory or disparaging remarks, comments
or statements concerning the Company&rsquo;s products or services, and existing and prospective customers, suppliers, investors and other
associated third parties, or make any maliciously false statements about the Company&rsquo;s employees and officers.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>4.</B></TD><TD><B>MISCELLANEOUS</B><FONT STYLE="font-variant: small-caps">.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify"><U>Notification to Other Parties</U>. In the event of the termination of Participant&rsquo;s employment
with the Company for any reason, Participant hereby consents to notification by the Company to Participant&rsquo;s new employer or other
party for whom Participant works about my rights and obligations under this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Employment at Will</U>. Participant understands and agrees that Participant&rsquo;s employment with
the Company is at will. Accordingly, Participant&rsquo;s employment can be terminated at any time, without cause or notice, at Participant&rsquo;s
option or the Company&rsquo;s option. The at-will nature of Participant&rsquo;s employment also means that Participant can be transferred
or demoted, and Participant&rsquo;s job title, compensation, benefits and other terms and conditions of employment can be reduced, at
any time with or without cause. Participant acknowledges that such changes shall not affect the enforceability of the restrictive covenants
in Sections 1-3 herein or any other terms of this Agreement. This at-will status of Participant&rsquo;s employment relationship with the
Company shall remain in full force and effect throughout Participant&rsquo;s employment with the Company, and Sections 1-3 shall remain
in full force and effect pursuant to their terms. The at-will status of Participant&rsquo;s employment can be modified only in a written
agreement that expressly alters such status and which is signed by both an authorized officer of the Company and Participant.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">The parties&rsquo; rights and obligations under this Agreement will bind and inure to the benefit of their
respective successors, heirs, executors, and administrators and permitted assigns. Participant will not assign this Agreement or Participant&rsquo;s
obligations hereunder without the prior written consent of the Company, which consent may be withheld in the Company&rsquo;s sole discretion,
and any such purported assignment without consent shall be null and void from the beginning. Participant agrees that the Company may freely
assign or otherwise transfer this Agreement to any affiliate or successor in interest (whether by way of merger, sale, acquisition or
corporate re-organization or any substantially similar process) of the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">d.</TD><TD STYLE="text-align: justify">[Participant acknowledges receiving written notice of the requirement to sign this Agreement and a copy
of the Agreement to review, in accordance with Colorado law.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>4</SUP></FONT>
[Notwithstanding anything to the contrary herein, the non-compete covenant obligations contained in Section&nbsp;1(a)&nbsp;herein shall
not become effective until fourteen (14) days after Participant received notice of and a copy of such non-compete obligations.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>5</SUP></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>4</SUP></FONT>
<U>Note to Draft</U>: Include the first bracketed clause only if the employee is located in Colorado. Ensure that Participant receives
and executes the Colorado notice of restrictive covenants, which must be provided as a <I>separate document</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>5</SUP></FONT>
<U>Note to Draft</U>: Include the second bracketed clause only if the employee is located in Colorado <I>and</I> is a current employee
(not a new hire).</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">e.</TD><TD STYLE="text-align: justify">Any subsequent change or changes in Participant&rsquo;s duties, obligations, rights or compensation will
not affect the validity or scope of this Agreement. This Agreement may not be waived, modified or amended unless mutually agreed upon
in writing by both parties. No delay or omission by the Company in exercising any right under this Agreement will operate as a waiver
of that or any other right. A waiver or consent given by the Company on any one occasion is effective only in that instance and will not
be construed as a bar to or waiver of any right on any other occasion.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">f.</TD><TD STYLE="text-align: justify">If any provision of this Agreement is found by a proper authority to be unenforceable or invalid such
unenforceability or invalidity shall not render this Agreement unenforceable or invalid as a whole and in such event, such provision shall
be changed and interpreted so as to best accomplish the objectives of such unenforceable or invalid provision within the limits of applicable
law or applicable court decisions and the remainder of the terms, provisions, covenants and restrictions of this Agreement shall remain
in full force and effect and shall in no way be affected, impaired or invalidated.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">g.</TD><TD STYLE="text-align: justify">Participant acknowledges that the Company will suffer substantial damages not readily ascertainable or
compensable in terms of money in the event of the breach of any of Participant&rsquo;s obligations under this Agreement. Participant therefore
agrees that the Company shall be entitled (without limitation of any other rights or remedies otherwise available to the Company) to obtain
an injunction from any court of competent jurisdiction prohibiting the continuance or recurrence of any breach of this Agreement, without
the requirement to post bail or other security.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">h.</TD><TD STYLE="text-align: justify">The rights and obligations of the parties under this Agreement shall be governed in all respects by the
laws of the state in which Participant primarily provides or last primarily provided services to the Company, without reference to any
conflict of laws rule&nbsp;that would result in the application of the laws of any other jurisdiction. The parties agree that all disputes
arising under this Agreement shall be adjudicated in the state and federal courts having jurisdiction over disputes arising in the state
in which Participant primarily provides or last primarily provided services to the Company, and Participant hereby agrees to consent to
the personal jurisdiction of such court. [If permitted under applicable law, the Company and Participant each hereby irrevocably waive
any right to a trial by jury in any action, suit or other legal proceeding arising under or relating to any provision of this Agreement.]<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>6</SUP></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">Any notices required or permitted hereunder shall be given to the appropriate party at the address specified
on the signature page&nbsp;to this Agreement or at such other address as the party shall specify in writing. Such notice shall be deemed
given upon personal delivery, or sent by certified or registered mail, postage prepaid, three days after the date of mailing.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">j.</TD><TD STYLE="text-align: justify">Except as otherwise provided herein, the provisions of this Agreement shall survive the termination of
Participant&rsquo;s employment with the Company for any reason.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">k.</TD><TD STYLE="text-align: justify">This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original
and all of which together shall be deemed to be one and the same instrument. A facsimile, PDF (or any electronic signature complying with
the U.S. federal ESIGN Act of 2000, e.g., www.docusign.com) or any other type of copy of an executed version of this Agreement signed
by a party is binding upon the signing party to the same extent as the original of the signed agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>Signature Page&nbsp;Follows.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0; margin-bottom: 3pt; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>6</SUP></FONT>
<U>Note to Draft</U>: Bracketed language to be removed for the board member located in Georgia.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>I ACKNOWLEDGE THAT I HAVE THE RIGHT, AND THE
COMPANY IS ADVISING ME, TO CONSULT WITH INDEPENDENT LEGAL COUNSEL PRIOR TO SIGNING THIS AGREEMENT, AND I HAVE HAD A REASONABLE OPPORTUNITY
TO DO SO. I EITHER HAVE CONSULTED, OR HAVE VOLUNTARILY CHOSEN NOT TO CONSULT, WITH MY COUNSEL. I FURTHER ACKNOWLEDGE THAT I HAVE READ
THIS AGREEMENT CAREFULLY AND I UNDERSTAND AND ACCEPT THE OBLIGATIONS WHICH IT IMPOSES UPON ME WITHOUT RESERVATION. NO PROMISES OR REPRESENTATIONS
HAVE BEEN MADE TO ME TO INDUCE ME TO SIGN THIS AGREEMENT. I SIGN THIS AGREEMENT VOLUNTARILY AND KNOWINGLY.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,&nbsp;I
have executed this document as of _______________, 20__.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">&nbsp;</TD>
         <TD STYLE="text-align: left">EMPLOYEE:</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 50%">&nbsp;</TD><TD STYLE="text-align: left; width: 8%">&nbsp;</TD><TD STYLE="text-align: justify; width: 42%">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Signature:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Print
Name:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Address:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">&nbsp;</TD>
         <TD STYLE="text-align: left">COMPANY:</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 50%">&nbsp;</TD><TD STYLE="text-align: left; width: 8%">&nbsp;</TD><TD STYLE="text-align: justify; width: 42%">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Signature:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Print
Name:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Title:</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
     </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-10.10
<SEQUENCE>10
<FILENAME>tm2430355d14_ex10-10.htm
<DESCRIPTION>EXHIBIT 10.10
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.10</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>JEFFERSON CAPITAL,&#8239;INC. RESTRICTED STOCK
AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Restricted Stock Agreement
(the &ldquo;<B><I>Agreement</I></B>&rdquo;) is entered into effective as of the effective date of the Reorganization (defined below) (the
 &ldquo;<B><I>Effective Date</I></B>&rdquo;), by and between Jefferson Capital,&#8239;Inc. (the &ldquo;<B><I>Company</I></B>&rdquo;) and
the holder (&ldquo;<B><I>Holder</I></B>&rdquo;) identified on the signature page&#8239;hereto (the &ldquo;<B><I>Signature Page</I></B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, as of the Effective
Date, Holder holds a number of Class&#8239;B Units (the &ldquo;<B><I>Upstairs Class&#8239;B Units</I></B>&rdquo;) in Management Invest,
LLC (&ldquo;<B><I>Management Inves</I></B>t&rdquo;), as set forth on the Signature Page&#8239;hereto, pursuant to the Amended and Restated
Limited Liability Company Agreement of Management Invest, LLC, dated March&#8239;9, 2020 (as the same may hereafter be amended, modified
or amended and restated, from time to time, the &ldquo;<B><I>Management LLC Agreement</I></B>&rdquo;), the Management Invest, LLC 2018
Management Incentive Plan (the &ldquo;<B><I>Management Plan</I></B>&rdquo;) and one or more Management Incentive Units Award Agreements
(the &ldquo;<B><I>Upstairs Award Agreements</I></B>&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Upstairs Class&#8239;B
Units in turn correspond to Class&#8239;B Units (the &ldquo;<B><I>Downstairs Class&#8239;B Units</I></B>&rdquo; and together with the Upstairs
Class&#8239;B Units, the &ldquo;<B><I>Class&#8239;B Units</I></B>&rdquo;) in JCAP Topco, LLC (&ldquo;<B><I>Topco</I></B>&rdquo;) awarded
to Management Invest pursuant to the Limited Liability Company Agreement of JCAP Topco, LLC (as the same may hereafter be amended, modified
or amended and restated, from time to time, the &ldquo;<B><I>Topco LLC Agreement</I></B>&rdquo;), the JCAP Topco, LLC 2018 Underlying
Units Plan (the &ldquo;<B><I>Topco Plan</I></B>&rdquo; and together with the Management Plan, the &ldquo;<B><I>Plans</I></B>&rdquo;) and
one or more Underlying Units Award Agreements (the &ldquo;<B><I>Downstairs Award Agreements</I></B>&rdquo; and together with the Upstairs
Award Agreements, the &ldquo;<B><I>Award Agreements</I></B>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, in connection with
the initial public offering (the &ldquo;<B><I>IPO</I></B>&rdquo;) of the Company&rsquo;s common stock (&ldquo;<B><I>Common Stock</I></B>&rdquo;),
the Company and its affiliates will undergo a series of transactions immediately prior to such IPO (the &ldquo;<B><I>Reorganization</I></B>&rdquo;)
pursuant to which, among other things, Management Invest will be dissolved and the holders of Upstairs Class&#8239;B Units will exchange
their Upstairs Class&#8239;B Units for the number of shares of common stock of the Company set forth on the Signature Page&#8239;hereto
(and, for the avoidance of doubt, with such corresponding Downstairs Class&#8239;B Units cancelled), subject to the terms and conditions
of this Agreement (such shares, the &ldquo;<B><I>Restricted Shares</I></B>&rdquo;), which exchange shall be effective prior to and subject
to the consummation of the IPO (the date of such exchange, the &ldquo;<B><I>Exchange Date</I></B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in consideration
of the foregoing recitals and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the
Company and Holder hereby agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE&#8239;I.</B></FONT><B><BR>
GENERAL</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Issuance
of Restricted Shares</U>. Subject to the terms and conditions of this Agreement and pursuant to the Reorganization, Holder was automatically
issued the Restricted Shares on the Effective Date and the Company will cause (a)&#8239;a stock certificate or certificates representing
the Restricted Shares to be registered in Holder&rsquo;s name or (b)&#8239;the Restricted Shares to be held in book-entry form. If a stock
certificate is issued, the certificate will be delivered to, and held in accordance with this Agreement by, the Company or its authorized
representatives and will bear the restrictive legends required by this Agreement. If the Restricted Shares are held in book-entry form,
then the book-entry will indicate that the Restricted Shares are subject to the restrictions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE&#8239;II.</B></FONT><B><BR>
VESTING, FORFEITURE AND ESCROW</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Vesting</U>.
The Restricted Shares received in respect of Holder&rsquo;s Class&#8239;B Units which were subject solely to time-based vesting will become
vested Shares (each, a &ldquo;<B><I>Vested Share</I></B>&rdquo;) at the same time the corresponding Class&#8239;B Units would have vested
under the terms of the applicable Award Agreement(s), as set forth on the Signature Page&#8239;hereto. The Restricted Shares received in
respect of Holder&rsquo;s Class&#8239;B Units which were subject to performance-based vesting will become Vested Shares as to one-third
of such Restricted Shares on each of the first three (3)&#8239;anniversaries of the IPO. Notwithstanding the foregoing, any fraction of
a Restricted Share that would otherwise become a Vested Share will be accumulated and will become a Vested Share only when a whole Vested
Share has accumulated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Forfeiture</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>In
the event of Holder&rsquo;s Termination of Service for any reason, subject to Section&#8239;2.2(b), Holder will immediately and automatically
forfeit to the Company any Restricted Shares that are not Vested Shares (the &ldquo;<B><I>Unvested Shares</I></B>&rdquo;) at the time
of Holder&rsquo;s Termination of Service, except as otherwise determined by the Committee or provided in a binding written agreement between
Holder and the Company. Upon forfeiture of Unvested Shares, the Company will become the legal and beneficial owner of the Unvested Shares
and all related interests and Holder will have no further rights with respect to the Unvested Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
Section&#8239;2.2(a), in the event of Holder&rsquo;s Termination of Service (i)&#8239;by the Company without Cause or (ii)&#8239;due to Holder&rsquo;s
death or Disability, any Unvested Shares held by Holder at the time of such Termination of Service shall become Vested Shares as of the
date of such Termination of Service. In addition, the Committee may accelerate the vesting of all or a portion of the Restricted Shares
in such other circumstances as it may determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Escrow</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Unvested
Shares will be held by the Company or its authorized representatives until (i)&#8239;they are forfeited, (ii)&#8239;they become Vested Shares
or (iii)&#8239;this Agreement is no longer in effect. By accepting this award, Holder appoints the Company and its authorized representatives
as Holder&rsquo;s attorney(s)-in-fact to take all actions necessary to effect any transfer of forfeited Unvested Shares to the Company
as may be required pursuant to this Agreement and to execute such representations or other documents or assurances as the Company or such
representatives deem necessary or advisable in connection with any such transfer. The Company, or its authorized representative, will
not be liable for any good faith act or omission with respect to the holding in escrow or transfer of the Restricted Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
soon as reasonably practicable following the date on which an Unvested Share becomes a Vested Share, the Company will cause the certificate
(or a new certificate without the legend required by this Agreement, if Holder so requests) representing the share to be delivered to
Holder or, if the share is held in book-entry form, cause the notations indicating the share is subject to the restrictions of this Agreement
to be removed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Rights
as Stockholder</U>. Except as otherwise provided in this Agreement, upon issuance of the Restricted Shares by the Company, Holder will
have all the rights of a stockholder with respect to the Restricted Shares, including the right to vote the Restricted Shares and to receive
dividends or other distributions paid or made with respect to the Restricted Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE&#8239;III.</B></FONT><B><BR>
TAXATION AND TAX WITHHOLDING</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Representation</U>.
Holder represents to the Company that Holder has reviewed, or had the opportunity to review, with Holder&rsquo;s own tax advisors the
tax consequences of the Restricted Shares and the transactions contemplated by this Agreement. Holder is relying solely on such advisors
and not on any statements or representations of the Company or any of its agents or affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Section&#8239;83(b)&#8239;Election</U>.
As soon as practicable after the Effective Date, if Holder is or may become subject to taxation in the United States of America, Holder
shall provide the Company with a copy of a completed election under Section&#8239;83(b)&#8239;of the Code in the form of <U>Exhibit&#8239;A</U>
attached hereto. Holder shall timely (within thirty (30) days of the Effective Date) file (via certified mail, return receipt requested)
such election with the Internal Revenue Service, and thereafter shall certify to the Company that Holder has made such timely filing and
furnish a copy of such filing to the Company. Holder should consult his or her tax advisor regarding the consequences of a Section&#8239;83(b)&#8239;election,
as well as the receipt, vesting, holding and sale of the Restricted Shares. <B>HOLDER ACKNOWLEDGES THAT IT IS HOLDER&rsquo;S SOLE RESPONSIBILITY
AND NOT THE COMPANY&rsquo;S TO TIMELY FILE THE ELECTION UNDER SECTION&#8239;83(b)&#8239;OF THE CODE.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Withholding</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Company and its Subsidiaries have the authority to deduct or withhold, or require Holder to remit to the Company or the applicable Subsidiary,
an amount sufficient to satisfy applicable federal, state, local and foreign taxes (including the employee portion of any FICA obligation)
required by law to be withheld with respect to any taxable event arising pursuant to this Agreement. The Company and its Subsidiaries
may withhold or Holder may make such payment in one or more of the forms specified below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>by
cash or check made payable to the Company or the Subsidiary with respect to which the withholding obligation arises;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>by
the deduction of such amount from other amounts (including compensation) payable in cash by the Company or its Subsidiaries to Holder;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
the consent of the Committee, by requesting that the Company withhold from the Restricted Shares that are then becoming vested the minimum
number of whole Restricted Shares having a then current Fair Market Value necessary to satisfy the withholding obligation of the Company
and its Subsidiaries based on the maximum applicable statutory withholding rates;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in; text-align: justify">&#8239;(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
the consent of the Committee, by tendering to the Company vested shares of Common Stock having a then current Fair Market Value not exceeding
the amount necessary to satisfy the withholding obligation of the Company and its Subsidiaries based on the maximum applicable statutory
withholding rates;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>subject
to applicable laws, any Company insider trading policy and the terms of any other agreement between Holder and the Company, through the
delivery of a notice that Holder has placed a market sell order with a broker acceptable to the Company with respect to shares of Common
Stock and that the broker has been irrevocably directed to pay a sufficient portion of the net proceeds of the sale to the Company or
the Subsidiary with respect to which the withholding obligation arises in satisfaction of such withholding taxes; provided that payment
of such proceeds is then made to the Company or the applicable Subsidiary at such time as may be required by the Committee; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>in
any combination of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>In
the event Holder fails to provide timely payment of all sums required pursuant to Section&#8239;3.3(a), the Company shall have the right
and option, but not the obligation, to treat such failure as an election by Holder to satisfy all or any portion of Holder&rsquo;s required
payment obligation pursuant to Section&#8239;3.3(a)(ii)&#8239;or Section&#8239;3.3(a)(iii)&#8239;above, or any combination of the foregoing
as the Company may determine to be appropriate. The Company shall not be obligated to deliver any certificate representing the Restricted
Shares to Holder or his or her legal representative or release the Restricted Shares to Holder unless and until Holder or his or her legal
representative shall have paid or otherwise satisfied in full the amount of all federal, state, local and foreign taxes applicable with
respect to the taxable income of Holder resulting from the vesting of the Shares or any other taxable event related to the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>In
the event any tax withholding obligation arising in connection with the Restricted Shares will be satisfied under Section&#8239;3.3(a)(iii),
then the Company may elect to instruct any brokerage firm determined acceptable to the Company for such purpose to sell on Holder&rsquo;s
behalf a whole number of Restricted Shares from those Restricted Shares that are then becoming vested as the Company determines to be
appropriate to generate cash proceeds sufficient to satisfy the tax withholding obligation and to remit the proceeds of such sale to the
Company or the Subsidiary with respect to which the withholding obligation arises. Holder hereby instructs and authorizes the Company
and such brokerage firm to complete the transactions described in this Section&#8239;3.3(c), including the transactions described in the
previous sentence, as applicable. The Company may refuse to deliver any certificate representing the Restricted Shares to Holder or his
or her legal representative until the foregoing tax withholding obligations are satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Holder
acknowledges that Holder is ultimately liable and responsible for all taxes owed in connection with the Restricted Shares, regardless
of any action the Company or any Subsidiary takes with respect to any tax withholding obligations that arise in connection with the Restricted
Shares. Neither the Company nor any Subsidiary makes any representation or undertaking regarding the treatment of any tax withholding
in connection with the awarding, vesting or payment of the Restricted Shares or the subsequent sale of the Restricted Shares. The Company
and the Subsidiaries do not commit and are under no obligation to structure this award to reduce or eliminate Holder&rsquo;s tax liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE&#8239;IV.</B></FONT><B><BR>
RESTRICTIVE LEGENDS AND TRANSFERABILITY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legends</U>.
Any certificate representing a Restricted Share will bear the following legends (or such other legend(s)&#8239;as the Company may reasonably
deem necessary) until the Restricted Share becomes a Vested Share:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1in; text-align: justify">THE SHARES REPRESENTED BY THIS CERTIFICATE
ARE SUBJECT TO FORFEITURE IN FAVOR OF THE COMPANY AND MAY&#8239;BE TRANSFERRED ONLY IN ACCORDANCE WITH THE TERMS OF A RESTRICTED STOCK
AGREEMENT BETWEEN THE COMPANY AND THE STOCKHOLDER, A COPY OF WHICH IS ON FILE WITH THE SECRETARY OF THE COMPANY.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1in; text-align: justify"><FONT STYLE="text-transform: uppercase">The
offering and sale of the securities represented hereby have not been registered under the Securities Act of 1933, as amended (the &ldquo;Securities
Act&rdquo;). Any transfer of such securities will be invalid unless a Registration Statement under the Securities Act is in effect as
to such transfer or in the opinion of counsel for THE COMPANY such registration is unnecessary in order for such transfer to comply with
the Securities Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transferability</U>.
Without the consent of the Committee, the Restricted Shares may not be sold, assigned, transferred, pledged or otherwise encumbered, either
voluntarily or by operation of law, in any manner unless and until they become Vested Shares. Any attempted transfer or disposition of
Unvested Shares prior to the time the Unvested Shares become Vested Shares shall be void and unenforceable. The Company will not be required
to (a)&#8239;transfer on its books any Restricted Share that has been sold or otherwise transferred in violation of this Agreement or (b)&#8239;treat
as owner of such Restricted Share or accord the right to vote or pay dividends to any purchaser or other transferee to whom such Restricted
Share has been so transferred. The Company may issue appropriate &ldquo;stop transfer&rdquo; instructions to its transfer agent, if any,
or make appropriate notations to the same effect in its records.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Market
Standoff</U>. Holder hereby agrees that if so requested by the Company or any representative of the underwriters in connection with any
registration of the offering of any securities of the Company under the Securities Act, Holder shall not, directly or indirectly, sell,
offer to sell, grant any option for the sale of, or otherwise dispose of or transfer, any shares of Common Stock or other securities of
the Company during the one hundred and eighty (180)-day period following the effective date of a registration statement of the Company
filed under the Securities Act; provided, however, that such restriction shall apply only to the first two (2)&#8239;registration statements
of the Company to become effective under the Securities Act which include securities to be sold on behalf of the Company to the public
in an underwritten public offering under the Securities Act. The Company may place a restrictive legend on any security issued to Holder
and/or impose stop-transfer instructions with respect to the securities subject to the foregoing restrictions until the end of such one
hundred and eighty (180)-day period. Holder agrees to execute and deliver such other agreements as may be reasonably requested by the
Company or the underwriter which are consistent with the foregoing or which are necessary to give further effect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE&#8239;V.</B></FONT><B><BR>
OTHER PROVISIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Administration</U>.
The Committee shall have all powers with respect to the administration of this Agreement and the Restricted Shares, including, without
limitation, the interpretation of the provisions of this Agreement. All decisions by the Committee shall be conclusive and binding on
Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Adjustments</U><FONT STYLE="font-size: 10pt"></FONT>.
In the event that the Committee shall determine that any dividend or other distribution (whether in the form of cash, shares of Common
Stock, other securities or other property), recapitalization, reclassification, stock split, reverse stock split, spin-off, combination,
or exchange of shares or other securities of the Company or other increase or decrease in shares of Common Stock effected without receipt
of consideration by the Company affects the Restricted Shares such that an adjustment of the Restricted Shares is determined by the Committee
to be appropriate in order to prevent dilution or enlargement of the benefits or potential benefits intended to be made available under
this Agreement, then the Committee shall, in such manner as it may deem equitable, in its sole discretion, adjust any or all of the number
and type of Restricted Shares. In the event that the Company or its affiliates are party to a merger or consolidation or in the event
of a sale of all or substantially all of the Company&rsquo;s Common Stock or assets, the Restricted Shares shall be subject to the treatment
provided in the definitive transaction agreement or as determined by the Committee subject to any provisions of this Agreement that apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
Any notice to be given under the terms of this Agreement to the Company must be in writing and addressed to the Company in care of the
Company&rsquo;s General Counsel at the Company&rsquo;s principal office at 600 South Highway 169, Suite&#8239;1575, Minneapolis, MN 55426.
Any notice to be given under the terms of this Agreement to Holder must be in writing and addressed to Holder at Holder&rsquo;s last known
mailing address or email address in the Company&rsquo;s personnel files. By a notice given pursuant to this Section&#8239;5.2, either party
may designate a different address for notices to be given to that party. Any notice will be deemed duly given when actually received via
email (to Holder only), when sent by certified mail (return receipt requested) and deposited with postage prepaid in a post office or
branch post office regularly maintained by the United States Postal Service or when delivered by a nationally recognized express shipping
company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Titles</U>.
Titles are provided herein for convenience only and are not to serve as a basis for interpretation or construction of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Successors
and Assigns</U>. The Company may assign any of its rights under this Agreement to single or multiple assignees, and this Agreement will
inure to the benefit of the successors and assigns of the Company. Subject to the restrictions on transfer set forth in this Agreement,
this Agreement will be binding upon and inure to the benefit of the heirs, legatees, legal representatives, successors and assigns of
the parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Limitations
Applicable to Section&#8239;16 Persons</U>. Notwithstanding any other provision of this Agreement, if Holder is subject to Section&#8239;16
of the Exchange Act, this Agreement and the Restricted Shares will be subject to any additional limitations set forth in any applicable
exemptive rule&#8239;under Section&#8239;16 of the Exchange Act (including any amendment to Rule&#8239;16b-3) that are requirements for the
application of such exemptive rule. To the extent applicable laws permit, this Agreement will be deemed amended as necessary to conform
to such applicable exemptive rule.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">5.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Entire
Agreement</U>. This Agreement (including any exhibit hereto) constitutes the entire agreement of the parties and supersedes in their
entirety all prior undertakings and agreements of the parties hereto with respect to the subject matter hereof, including the Award Agreements,
the Plan, the Management LLC Agreement and the Topco LLC Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Agreement
Severable</U>. In the event that any provision of this Agreement is held illegal or invalid, the provision will be severable from, and
the illegality or invalidity of the provision will not be construed to have any effect on, the remaining provisions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Not
a Contract of Employment</U>. Nothing in this Agreement confers upon Holder any right to continue in the employ or service of the Company
or any Subsidiary or interferes with or restricts in any way the rights of the Company and its Subsidiaries, which rights are hereby expressly
reserved, to discharge or terminate the services of Holder at any time for any reason whatsoever, with or without cause, except to the
extent expressly provided otherwise in a written agreement between the Company or a Subsidiary and Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Conformity
to Securities Laws</U>. Holder acknowledges that this Agreement is intended to conform to the extent necessary with all provisions of
the Securities Act and the Exchange Act and any and all regulations and rules&#8239;promulgated by the Securities and Exchange Commission
thereunder, and state securities laws and regulations. Notwithstanding anything herein to the contrary, this Agreement shall be administered,
and the Restricted Shares are granted and may be vested, only in such a manner as to conform to such laws, rules&#8239;and regulations.
To the extent permitted by applicable laws, this Agreement shall be deemed amended to the extent necessary to conform to such laws, rules&#8239;and
regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment,
Suspension and Termination</U>. This Agreement may be wholly or partially amended or otherwise modified, suspended or terminated at any
time or from time to time by the Committee, provided, that, except as may otherwise be provided, directly or indirectly, in this Agreement,
no amendment, modification, suspension or termination of this Agreement shall materially and adversely affect the Restricted Shares without
the prior written consent of Holder. No waiver of any of the provisions of this Agreement shall be deemed or shall constitute a waiver
of any other provision hereof (whether or not similar), nor shall such waiver constitute a continuing waiver unless otherwise expressly
provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law</U>. The laws of the State of Delaware shall govern the interpretation, validity, administration, enforcement and performance of the
terms of this Agreement regardless of the law that might be applied under principles of conflicts of laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Jurisdiction</U>.
Each party hereto agrees that it shall bring any action or proceeding in respect of any claim arising out of or related to this Agreement
or the transactions contemplated hereby, exclusively in the state or federal courts located in the State of Delaware. Solely in connection
with claims arising under this Agreement or the transaction contemplated hereby, each party hereto (i)&#8239;irrevocably submits to the
exclusive jurisdiction of the state or federal courts located in the State of Delaware, (ii)&#8239;waives any objection to laying venue
in any such action or proceeding in the state or federal courts located in the State of Delaware and (iii)&#8239;waives any objection that
the state or federal courts located in the State of Delaware are an inconvenient forum or do not have jurisdiction over any party hereto.
EACH PARTY HERETO IRREVOCABLY WAIVES ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL ACTION OR PROCEEDING (INLCUDING COUNTERCLAIMS) RELATING TO
OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR ANY OF THE TRANSACTIONS OR RELATIONSHIPS HEREBY CONTEMPLATED OR OTHERWISE IN
CONNECTION WITH THE ENFORCEMENT OF ANY RIGHTS OR OBLIGATIONS HEREUNDER.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt">5.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Further
Assurances.</U> From and after the date of this Agreement, Holder shall execute any and all further reasonable documents, financing statements,
agreements and instruments and take all further reasonable action that may be required under applicable law or that the Company may reasonably
request in order to effectuate the transactions contemplated by this Agreement, including, without limitation, the Holder&rsquo;s representations,
warranties and covenants, and taking any reasonable actions in connection with any applicable law or governmental authority related to
equityholders of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in one or more counterparts, including by way of any electronic signature, subject to applicable law, each
of which will be deemed an original and all of which together will constitute one instrument.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.15</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Other
Awards</U>. This Agreement, together with any other equity grants received in connection with the Reorganization and/or the IPO (including,
for the avoidance of doubt, any unrestricted shares of Common Stock of the Company), are in replacement of, and supersede in all respects,
the Class&#8239;B Units and any rights thereunder. Holder agrees and acknowledges that, following the Effective Date, Holder will (i)&#8239;hold
no Class&#8239;B Units, (ii)&#8239;no longer be a member of Management Invest and (iii)&#8239;have no surviving rights under the governing
documents of Management Invest or Topco (including, without limitation, any Plan or Award Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ARTICLE&#8239;VI.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>DEFINITIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Cause</I></B>&rdquo;
means with respect to a Holder, &ldquo;Cause&rdquo; (or any term of similar effect) as defined in such Holder&rsquo;s employment or service
agreement with the Company or an affiliate thereof if such an agreement exists and contains a definition of Cause (or term of similar
effect), or, if no such agreement exists or such agreement does not contain a definition of &ldquo;Cause&rdquo; (or term of similar effect),
then &ldquo;Cause&rdquo; shall mean one or more of the following: (a)&#8239;Holder&rsquo;s repeated and gross failure to perform Holder&rsquo;s
material duties, after written notice of such performance has been given to Holder with thirty (30) days to cure such nonperformance;
(b)&#8239;Holder&rsquo;s commission of a felony, a crime of moral turpitude or a misdemeanor involving fraud or dishonesty (for avoidance
of doubt, a single driving while intoxicated (or other similar charge) shall not be considered a felony or crime of moral turpitude);
(c)&#8239;Holder&rsquo;s perpetration of any act of fraud or material dishonesty against or affecting the Company, any of its affiliates,
or any customer, agent or employee thereof; (d)&#8239;Holder&rsquo;s material breach of fiduciary duty or material breach of this Agreement,
after written notice of such breach has been given to Holder and, to the event such breach is curable, within thirty (30) days to cure
such breach; (e)&#8239;Holder&rsquo;s repeated insolent or abusive conduct in the workplace, including but not limited to, harassment of
others of a racial or sexual nature after notice of such behavior; (f)&#8239;Holder&rsquo;s taking any action which is intended to harm
or disparage the Company or its affiliates, or their reputations, or which would reasonably be expected to lead to unwanted or unfavorable
publicity to the Company or its affiliates; or (g)&#8239;Holder&rsquo;s engaging in any act of material self-dealing without prior notice
to and consent by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">6.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Committee</I></B>&rdquo;
means the Company&rsquo;s Board of Directors, the Compensation Committee thereof or a committee or subcommittee appointed by the Company&rsquo;s
Board of Directors or Compensation Committee thereof to administer this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Disability</I></B>&rdquo;
means that the Holder is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental
impairment that can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Exchange
Act</I></B>&rdquo; means the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Fair
Market Value</I></B>&rdquo; means, as of any date, the value of a share of Common Stock determined as follows: (a)&#8239;if the shares
of Common Stock are listed on any established stock exchange, its Fair Market Value will be the closing sales price for such shares of
Common Stock as quoted on such exchange for such date, or if no sale occurred on such date, the last day preceding such date during which
a sale occurred, as reported in <I>The Wall Street Journal</I> or another source the Committee deems reliable; (b)&#8239;if the shares
of Common Stock are not traded on a stock exchange but are quoted on a national market or other quotation system, the closing sales price
on such date, or if no sales occurred on such date, then on the last date preceding such date during which a sale occurred, as reported
in <I>The Wall Street Journal </I>or another source the Committee deems reliable; or (c)&#8239;without an established market for the shares
of Common Stock, the Committee will determine the Fair Market Value in its discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Securities
Act</I></B>&rdquo; means the Securities Act of 1933, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Subsidiary</I></B>&rdquo;
means any entity (other than the Company), whether domestic or foreign, in an unbroken chain of entities beginning with the Company if
each of the entities other than the last entity in the unbroken chain beneficially owns, at the time of the determination, securities
or interests representing at least fifty percent (50%) of the total combined voting power of all classes of securities or interests in
one of the other entities in such chain.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;<B><I>Termination
of Service</I></B>&rdquo; means termination of Holder&rsquo;s engagement as an employee, consultant or director of the Company and its
Subsidiaries, but excluding any termination where Holder simultaneously commences or remains in employment or service with the Company
or any Subsidiary. The Committee, in its absolute discretion, shall determine the effect of all matters and questions relating to Terminations
of Service, including, without limitation, the question of whether a Termination of Service has occurred and all questions of whether
particular leaves of absence constitute a Termination of Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">IN WITNESS WHEREOF, this Agreement has been executed
and delivered by the parties hereto as of the date first set forth above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD COLSPAN="2"><B>JEFFERSON CAPITAL,&#8239;INC.</B></TD></TR>
                                                                                                                                          <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
                                                                                                                                          <TR STYLE="vertical-align: top">
<TD STYLE="width: 50%"></TD><TD STYLE="width: 5%">By:</TD><TD STYLE="border-bottom: Black 1pt solid; width: 45%"></TD></TR>
<TR STYLE="vertical-align: top">
<TD></TD><TD>Name:</TD><TD></TD></TR>
<TR STYLE="vertical-align: top">
<TD></TD><TD>Title:</TD><TD></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>HOLDER</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Number of Class&#8239;B Units and Restricted Shares Issued
Pursuant to Exchange:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top">


    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&#8239;</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&#8239;</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Date of Grant</B></P>
</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>Number of
    Class&#8239;B Units <BR>
Under Award Agreement<BR>
 on Effective Date</B></P></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>Number of
    Restricted Shares Issued in <BR>
Exchange for Class&#8239;B Units </B></P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; width: 18%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&#8239;</B></FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 18%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Time-<BR>
Vesting</U></B></FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 19%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Performance-<BR>
Vesting</U></B></FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 19%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Restricted Shares<BR>
Corresponding To<BR>
Time-Vesting <BR>
Units</U></B></FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 18%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Restricted Shares<BR>
Corresponding To<BR>
Performance-<BR>
Vesting Units</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD>
    <TD STYLE="padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="padding-top: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="padding-top: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD>
    <TD STYLE="padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="padding-top: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD>
    <TD STYLE="padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="padding-top: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]&#8239;&#8239;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[______]</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>[(1)&#8239;Vests as to: [_____].]</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-10.11
<SEQUENCE>11
<FILENAME>tm2430355d14_ex10-11.htm
<DESCRIPTION>EXHIBIT 10.11
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.11</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Execution Copy</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>AMENDED AND RESTATED SENIOR MANAGEMENT AGREEMENT</U></B></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><B>THIS AMENDED AND RESTATED
SENIOR MANAGEMENT AGREEMENT </B>(this &ldquo;<U>Agreement</U>&rdquo;) is made as of March&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2018, by
and among CL Holdings, LLC, a Delaware limited liability company, FMT Services, LLC, a Nevada limited liability company (collectively,
the &ldquo;<U>Company</U>&rdquo;), and David Burton (&ldquo;<U>Executive</U>&rdquo;). Capitalized terms used but not otherwise defined herein
shall have the meanings ascribed to such terms in <U>Section&nbsp;8</U> of this Agreement.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, Executive has been
party to the Senior Management Agreement with JCAP Holdings, LLC and FMT Services, LLC, dated August&nbsp;3, 2012 (the &ldquo;<U>Prior
Agreement</U>&rdquo;);</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, pursuant to the Agreement
and Plan of Merger by and among JCAP Topco LLC, JCAP Acquisition LLC, JCAP Holdings, LLC and Flexpoint Fund II, L.P., solely in its capacity
as the representative for JCAP Holdings, LLC&rsquo;s unitholders, dated December&nbsp;22, 2017 (the &ldquo;<U>Merger Agreement</U>&rdquo;), it
is expected that JCAP Acquisition LLC, a Delaware limited liability company and an indirect wholly owned subsidiary of JCAP Topco LLC,
will merge with and into JCAP Holdings, LLC with JCAP Holdings, LLC being the surviving entity of such merger (the &ldquo;<U>Merger</U>&rdquo;);</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, this Agreement will
take effect automatically upon the Closing (as such term is defined in the Merger Agreement) (the &ldquo;<U>Effective Date</U>&rdquo;) and
at such time, the Prior Agreement will automatically terminate and be superseded by this Agreement; provided, however, that until the
Effective Date, the Prior Agreement will continue to be effective in accordance with its terms; provided, further, that if the Merger
Agreement is terminated without the consummation of the Merger, this Agreement will automatically terminate and be null and void <I>ab
initio; </I>and</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, as of the Effective
Date, the Company desires to continue to employ Executive, and Executive desires to continue to be employed by the Company, upon the terms
and subject to the conditions set forth herein.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">NOW, THEREFORE, in consideration
of the mutual covenants contained herein and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties to this Agreement hereby agree as follows:</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">1.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employment</U>.
The Company agrees to employ Executive, and Executive accepts such employment, for the period beginning on the Effective Date hereof and
ending upon Executive&rsquo;s separation pursuant to <U>Section&nbsp;4</U> hereof (the &ldquo;<U>Employment Period</U>&rdquo;). Notwithstanding
anything in this Agreement to the contrary, the employment of Executive shall be &ldquo;at-will&rdquo; at all times. Except as otherwise
provided herein, upon and after such termination, all obligations of the Company under this Agreement shall cease.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">2.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Position
and Duties</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the Employment Period, Executive shall serve as the Chief Executive Officer of the Company and shall have the normal duties, responsibilities
and authority implied by such position and such other activities as are reasonably directed by the Board, subject in each case to the
power of the Board and the board of managers of the Company to expand, limit or otherwise alter such duties, responsibilities, positions
and authority and to otherwise override actions of officers.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Executive
shall report to the Board, and Executive shall devote Executive&rsquo;s best efforts and Executive&rsquo;s full business time and attention to the
business and affairs of the Company and the other Subsidiaries of the Company; provided that Executive shall be permitted to serve as
a member of the board of directors (or similar governing body) of nonprofit entities with the prior written consent of the Board.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">3.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Salary.
Bonus and Benefits</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Salary</U>.
Commencing upon the date hereof and continuing until a Separation, the Company will pay Executive a base salary at a rate of $600,000
per annum (the &ldquo;<U>Annual Base Salary</U>&rdquo;), payable in accordance with the Company&rsquo;s standard payroll practices in effect
from time to time. The Board will review and may adjust Executive&rsquo;s Annual Base Salary for possible merit based increases of up to 5%.
All amounts payable to Executive hereunder shall be subject to such deductions and withholdings as are required by law or by policies
of the Company related to income tax withholding.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Annual
Bonus</U>. For each calendar year ending during the Employment Period, Executive shall be eligible for an annual bonus with a target bonus
opportunity equal to fifty percent (50%) of Executive&rsquo;s Annual Base Salary, as determined by the Board based upon the performance of Executive
and the achievement by the Company, and the other Subsidiaries of the Company of financial, operating and other objectives set by the
Board (the &ldquo;<U>Eligible Bonus</U>&rdquo;). For the avoidance of doubt, in any given year, the amount of the Eligible Bonus may be
zero, and Executive acknowledges and agrees that the payment of an Eligible Bonus is not in any way consideration for the restrictive
covenants set forth in <U>Section&nbsp;6</U> and <U>Section&nbsp;7</U>. Executive&rsquo;s eligibility to receive any Eligible Bonus payable
pursuant to this <U>Section&nbsp;3(b)</U> shall be contingent upon Executive being employed by the Company on December&nbsp;31 of the
year for which the Eligible Bonus applies. The Eligible Bonus, if any, shall be paid no later than February&nbsp;15 of the year following
the year for which the Eligible Bonus, if any, is earned.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Benefits</U>.
During the Employment Period, Executive will be entitled to (A)&nbsp;for business travel on behalf of the Company, first class air travel
on any flights that have two classes of seats and business class air travel on any flights that have three classes of seats, (B)&nbsp;reimbursement
of Executive&rsquo;s dues for the Young Presidents&rsquo; Organization up to $12,000 per year, (C)&nbsp;reimbursement of Executive&rsquo;s expenses for
participation in the Young Presidents&rsquo; Organization for educational opportunities and events up to $10,000 per year, (D)&nbsp;payment
by Company directly to the third party tax preparation provider of Executive&rsquo;s choosing for all out-of-pocket costs for the preparation
of Executive&rsquo;s annual tax returns up to $10,000 per year for each of the years 2017 and 2018 as a result of Executive being treated as
a partner and employee of the Company for tax purposes with said payment to be made by Company to the respective third party tax preparation
provider within thirty (30) days of receipt of the invoice for the respective tax preparation services, and (E)&nbsp;such other benefits
as are approved by the Board and made generally available to all senior management of the Company.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">4.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Separation</U>.
The Employment Period will continue until the earlier of (i)&nbsp;Executive&rsquo;s resignation, death or Disability and
(ii)&nbsp;the Company terminates Executive&rsquo;s employment with or without Cause. If Executive&rsquo;s employment is terminated
by resignation of Executive with Good Reason or by the Company without Cause, then the Company shall pay to Executive during the
period beginning on the date of the Separation and ending on the first anniversary of the date of Separation (the
 &ldquo;<U>Severance Period</U>&rdquo;) an aggregate amount equal to eighteen (18) months of Executive&rsquo;s then current Annual
Base Salary, payable in substantially equal installments on the Company&rsquo;s regular salary payment dates as in effect on the
date of the Separation but in no event less frequently than monthly (the &ldquo;<U>Severance Payments</U>&rdquo;). Notwithstanding
anything herein to the contrary, (A)&nbsp;Executive shall not be entitled to receive any Severance Payments pursuant to this <U>Section&nbsp;4</U>
unless Executive has executed and delivered to the Company a general release of claims in form attached hereto as Exhibit&nbsp;A
(and such release is in full force and effect and has not been revoked within 60 days of the date of the Separation) (the
 &ldquo;<U>General Release</U>&rdquo;), which General Release shall be delivered to Executive within seven calendar days after
Executive&rsquo;s Separation; <U>provided</U>, that if such 60 day period spans two taxable year of Executive, the Severance
Payments shall not commence until the second taxable year, with the first payment including any payments that would have been made
had the 60-day delay period provided herein not applied, and (B)&nbsp;Executive shall be entitled to receive Severance Payments only
so long as Executive has not breached any of the provisions of the General Release or <U>Section&nbsp;6</U> or <U>Section&nbsp;7</U>
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">5.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Code
Section&nbsp;409A</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
intent of the parties is that payments and benefits under this Agreement comply with or otherwise be exempt from Internal Revenue Code
Section&nbsp;409A and the regulations and guidance promulgated thereunder (&ldquo;<U>Code Section&nbsp;409A</U>&rdquo;) and, accordingly,
to the maximum extent permitted, this Agreement shall be interpreted to be either exempt from or in compliance therewith. In no event
whatsoever shall the Company be liable for any additional tax, interest or penalty that may be imposed on Executive by Code Section&nbsp;409A
or damages for failing to comply with Code Section&nbsp;409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
any other payment schedule provided herein to the contrary, if Executive is deemed on the date of termination to be a &ldquo;specified
employee&rdquo; within the meaning of that term under Code Section&nbsp;409A(a)(2)(B), then any payment under <U>Section&nbsp;6</U> hereof
that is considered deferred compensation under Code Section&nbsp;409A payable on account of a &ldquo;separation from service&rdquo; shall
not be made until the date which is the earlier of (A)&nbsp;the expiration of the six-month period measured from the date of such &ldquo;separation
from service&rdquo; of Executive, and (B)&nbsp;the date of Executive&rsquo;s death (the &ldquo;<U>Delay Period</U>&rdquo;) to the extent required
under Code Section&nbsp;409A. Upon the expiration of the Delay Period, all payments delayed pursuant to this <U>Section&nbsp;5(b)</U>&nbsp;shall
be paid to Executive in a lump sum, and all remaining payments due under this Agreement shall be paid or provided in accordance with the
normal payment dates specified for them herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
termination of employment shall not be deemed to have occurred for purposes of any provision of this Agreement providing for the payment
of any amounts or benefits upon or following a termination of employment unless such termination is also a &ldquo;separation from service&rdquo;
from the Company within the meaning of Code Section&nbsp;409A and, for purposes of any such provision of this Agreement, references to
a &ldquo;termination,&rdquo; &ldquo;termination of employment&rdquo; or like terms shall mean &ldquo;separation from service.&rdquo; A &ldquo;separation
from service&rdquo; generally means the date on which Executive is no longer performing services for the Company. Executive shall not have
a separation from service while on military leave, sick leave, or other bona fide leave of absence if the period of such leave does not
exceed six (6)&nbsp;months, or if longer, so long as Executive retains a right to reemployment under an applicable statute or contract.
A leave of absence constitutes a bona fide leave of absence only if there is a reasonable expectation that Executive will return to perform
services. Executive will be deemed to have separated from service if it is reasonably anticipated based on the facts and circumstances
that Executive will perform no further services after a certain date or that the level of bona fide services Executive would perform after
such date would permanently decrease to less than twenty percent (20%) of the average level of bona fide services performed over the immediately
preceding thirty-six (36) month period (or the full period of services if Executive has been providing services for less than thirty-six
(36) months).</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of Code Section&nbsp;409A, Executive&rsquo;s right to receive any installment payment pursuant to this Agreement shall be treated as
a right to receive a series of separate and distinct payments.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
any other provision to the contrary, in no event shall any payment under this Agreement that constitutes &ldquo;deferred compensation&rdquo;
for purposes of Code Section&nbsp;409A be subject to offset by any other amount unless otherwise permitted by Code Section&nbsp;409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">6.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Confidential
Information</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Obligation
to Maintain Confidentiality</U>. Executive acknowledges that the information, observations and data (including trade secrets) obtained
by Executive during the course of Executive&rsquo;s employment with the Company concerning the business or affairs of the Company, and its Subsidiaries
and Affiliates (&ldquo;<U>Confidential Information</U>&rdquo;) are the property of the Company or such Subsidiaries and Affiliates, including
information concerning acquisition opportunities in or reasonably related to the Company&rsquo;s and its Subsidiaries&rsquo; and Affiliates&rsquo; businesses
or industry of which Executive becomes aware during the Employment Period. Therefore, Executive agrees that Executive will not disclose
to any unauthorized Person or use for Executive&rsquo;s own account any Confidential Information without the Board&rsquo;s prior written consent,
unless and to the extent that the Confidential Information, (i)&nbsp;becomes generally known to and available for use by the public other
than as a result of Executive&rsquo;s acts or omissions to act or (ii)&nbsp;is required to be disclosed pursuant to any applicable law or court
order. Executive shall take reasonable and appropriate steps to safeguard Confidential Information and to protect it against disclosure,
misuse, espionage, loss and/or theft. Executive shall deliver to the Company at a Separation, or at any other time the Company may request,
all memoranda, notes, plans, records, reports, computer tapes, printouts and software and other documents and data (and copies thereof)
relating to the Confidential Information, Work Product (as defined below) or the business of the Company and its Subsidiaries and/or Affiliates
(including, without limitation, all acquisition prospects, lists and contact information) which Executive may then possess or have under
Executive&rsquo;s control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Ownership
of Property</U>. Executive acknowledges that all discoveries, concepts, ideas, inventions, innovations, improvements, developments,
methods, processes, programs, designs, analyses, drawings, reports, patent applications, copyrightable work and mask work (whether
or not including any confidential information) and all registrations or applications related thereto, all other proprietary
information and all similar or related information (whether or not patentable) that relate to the Company&rsquo;s or any of its
Subsidiaries&rsquo; or Affiliates&rsquo; actual or anticipated business, research and development, or existing or future products or
services and that are conceived, developed, contributed to, made, or reduced to practice by Executive (either solely or jointly with
others) while employed by the Company or any of its Subsidiaries or Affiliates (including any of the foregoing that constitutes any
proprietary information or records) (&ldquo;<U>Work Product</U>&rdquo;) belong to the Company or such Subsidiary or Affiliate, and
Executive hereby assigns, and agrees to assign, all of the above Work Product to the Company or to such Subsidiary or Affiliate. Any
copyrightable work prepared in whole or in part by Executive in the course of Executive&rsquo;s work for any of the foregoing
entities shall be deemed a &ldquo;work made for hire&rdquo; under the copyright laws, and the Company or such Subsidiary or
Affiliate shall own all rights therein. To the extent that any such copyrightable work is not a &ldquo;work made for hire,&rdquo;
Executive hereby assigns and agrees to assign to the Company or such Subsidiary or Affiliate all right, title, and interest,
including without limitation, copyright in and to such copyrightable work. Executive shall promptly disclose such Work Product and
copyrightable work to the Board and perform all actions reasonably requested by the Board (whether during or after the Employment
Period) to establish and confirm the Company&rsquo;s or such Subsidiary&rsquo;s or Affiliate&rsquo;s ownership (including, without
limitation, assignments, consents, powers of attorney, and other instruments).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Third
Party Information</U>. Executive understands that the Company and its Subsidiaries and Affiliates will receive from third parties
confidential or proprietary information (&ldquo;<U>Third Party Information</U>&rdquo;) subject to a duty on the Company&rsquo;s and its Subsidiaries
and Affiliates&rsquo; part to maintain the confidentiality of such information and to use it only for certain limited purposes. During the Employment
Period and thereafter, and without in any way limiting the provisions of <U>Section&nbsp;6(a)</U>&nbsp;above, Executive will hold Third
Party Information in the strictest confidence and will not disclose to anyone (other than personnel and consultants of the Company or
its Subsidiaries and Affiliates who need to know such information in connection with their work for the Company or its Subsidiaries and
Affiliates) or use, except in connection with Executive&rsquo;s work for the Company or its Subsidiaries and Affiliates, Third Party Information
unless expressly authorized by a member of the Board (other than Executive) in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">7.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Noncompetition
and Nonsolicitation</U>. Executive acknowledges that in the course of Executive&rsquo;s employment with the Company Executive has and will become
familiar with the Company&rsquo;s and its respective Subsidiaries&rsquo; and Affiliates&rsquo; trade secrets and with other confidential information concerning
the Company and such Subsidiaries and Affiliates and that Executive&rsquo;s services will be of special, unique and extraordinary value to the
Company and such Subsidiaries and Affiliates. Therefore, Executive agrees that, without limiting any other obligation pursuant to this
Agreement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Noncompetition</U>.
During the Employment Period and the 18-month period immediately following the Employment Period (such period, together with the Employment
Period, is referred to herein as the &ldquo;<U>Restricted Period</U>&rdquo;), Executive shall not, directly or indirectly, own, manage,
control, participate in, consult with, render services for, or in any manner engage in any business which, anywhere in the United States
or the United Kingdom, (i)&nbsp;engages in the businesses of acquiring or servicing charged-off receivables associated with (A)&nbsp;normal
delinquency charged-off accounts, (B)&nbsp;charged-off accounts associated with Chapter 13 or Chapter 7 Bankruptcy-related debt or (C)&nbsp;charged-off
accounts acquired through a balance transfer program, (ii)&nbsp;engages in any of the businesses of the Company or any of its Subsidiaries
and Affiliates or (iii)&nbsp;engages in any other business for which the Company or any of its Subsidiaries and Affiliates has entertained
discussions or has requested and received information relating to the acquisition of such business by the Company or any of its Subsidiaries
or Affiliates within the one-year period immediately preceding the Separation. Nothing herein shall prohibit Executive from being a passive
owner of no more than 1% of the outstanding stock of any class of a corporation that is publicly traded, so long as Executive has no active
participation in the business of such corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Nonsolicitation</U>.
During the Restricted Period, Executive shall not directly or indirectly through another entity (i)&nbsp;induce or attempt to induce any
employee of the Company or any of its Subsidiaries or Affiliates to leave the employ of the Company or such Subsidiary or Affiliate, or
in any way interfere with the relationship between the Company or any of its Subsidiaries or Affiliates and any employee thereof, (ii)&nbsp;hire
any person who was an employee of the Company or any of its Subsidiaries or Affiliates at any time during the 12-month period preceding
the termination of Executive&rsquo;s employment, (iii)&nbsp;induce or attempt to induce any customer, broker, supplier, licensee, consultant
or other business relation of the Company or any of its Subsidiaries or Affiliates to cease doing business with the Company or such Subsidiary
or Affiliate or in any way interfere with the relationship between any such customer, supplier, licensee or business relation and the
Company or any such Subsidiary or Affiliate (including, without limitation, by making any negative statements about the Company or any
such Subsidiary or Affiliate) or (iv)&nbsp;directly or indirectly acquire or attempt to acquire an interest in any business relating to
the business of the Company or any of its Subsidiaries or Affiliates and with which the Company or any of its Subsidiaries or Affiliates
has entertained discussions or has requested and received information relating to the acquisition of such business by the Company or any
of its Subsidiaries or Affiliates at any time within the one-year period immediately preceding a Separation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Enforcement</U>.
If, at the time of enforcement of <U>Section&nbsp;6</U> or this <U>Section&nbsp;7</U>, a court holds that the restrictions stated herein
are unreasonable under circumstances then existing, the parties hereto agree that the maximum duration, scope or geographical area reasonable
under such circumstances shall be substituted for the stated period, scope or area and that the court shall be allowed to revise the restrictions
contained herein to cover the maximum duration, scope and area permitted by law. Because Executive&rsquo;s services are unique and because Executive
has access to confidential information, the parties hereto agree that the Company and its Subsidiaries and Affiliates would be irreparably
harmed by, and money damages would be an inadequate remedy for, any breach of this Agreement. Therefore, in the event a breach or threatened
breach of this Agreement, the Company, its Subsidiaries and Affiliates and/or their respective successors or assigns may, in addition
to other rights and remedies existing in their favor, apply to any court of competent jurisdiction for specific performance and/or injunctive
or other relief in order to enforce, or prevent any violations of, the provisions hereof (without posting a bond or other security).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 1in; text-align: justify">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Additional
Acknowledgments</U>. Executive acknowledges that the provisions of this <U>Section&nbsp;7</U> are in consideration of: (i)&nbsp;employment
with the Company, and (ii)&nbsp;additional good and valuable consideration as set forth in this Agreement. In addition, Executive agrees
and acknowledges that the restrictions contained in <U>Section&nbsp;6</U> and this <U>Section&nbsp;7</U> do not preclude Executive from
earning a livelihood, nor do they unreasonably impose limitations on Executive&rsquo;s ability to earn a living. In addition, Executive
acknowledges (x)&nbsp;that the business of the Company and its Subsidiaries will be conducted throughout the United States and other
jurisdictions where the Company or any of its Subsidiaries or Affiliates conduct business during the Employment Period, (y)&nbsp;notwithstanding
the state of organization or principal office of the Company or any of its Subsidiaries or Affiliates, or any of their respective executives
or employees (including Executive), it is expected that the Company and its Subsidiaries and Affiliates will have business activities
and have valuable business relationships within its industry throughout the United States and other jurisdictions where the Company or
any of its Subsidiaries or Affiliates conduct business during the Employment Period, and (z)&nbsp;as part of Executive&rsquo;s responsibilities,
Executive will be traveling throughout the United States and other jurisdictions where the Company or any of its Subsidiaries or Affiliates
conduct business during the Employment Period in furtherance of the Company&rsquo;s and its Subsidiaries&rsquo; and Affiliates&rsquo;
business and their respective relationships. Executive agrees and acknowledges that the potential harm to the Company and its Subsidiaries
and Affiliates of the non-enforcement of any provision of <U>Section&nbsp;6</U> or this <U>Section&nbsp;7</U> outweighs any potential
harm to Executive of its enforcement by injunction or otherwise. Executive acknowledges that Executive has carefully read this Agreement
and consulted with legal counsel of Executive&rsquo;s choosing regarding its contents, has given careful consideration to the restraints
imposed upon Executive by this Agreement and is in full accord as to their necessity for the reasonable and proper protection of confidential
and proprietary information of the Company and its Subsidiaries and Affiliates now existing or to be developed in the future. Executive
expressly acknowledges and agrees that each and every restraint imposed by this Agreement is reasonable with respect to subject matter,
time period and geographical area. In addition, Executive acknowledges and agrees that this <U>Section&nbsp;7</U> shall remain in full
force and effect in accordance with its terms notwithstanding any change in Executive&rsquo;s title, duties, compensation or benefits
or the transfer of Executive&rsquo;s employment to any of the Company&rsquo;s Subsidiaries, and in any such case neither this Agreement
nor any of the restrictive covenants contained herein will need to be reaffirmed or re-executed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">8.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Affiliate</U>&rdquo;
means with respect to any Person, any Person that controls, is controlled by or is under common control with such Person or an Affiliate
of such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&ldquo;<U>Board</U>&rdquo; means the board of managers of CL
Holdings, LLC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Business</U>&rdquo;
means the business of acquiring or servicing charged-off receivables associated with (A)&nbsp;normal delinquency charged-off accounts,
(B)&nbsp;charged-off accounts associated with Chapter 13 and Chapter 7 Bankruptcy-related debt or (C)&nbsp;charged-off accounts acquired
through a balance transfer program.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;<U>Cause</U>&rdquo; means (i)&nbsp;Executive&rsquo;s
conviction or entry of a plea of guilty or nolo contendere plea for a felony, a crime involving moral turpitude or any other act or omission
involving dishonesty, breach of Executive&rsquo;s duty of loyalty, or fraud with respect to the Company or any of its Subsidiaries or Affiliates
or any of their employees or which has had or would have a material negative effect upon the Company or any of its Subsidiaries or Affiliates,
(ii)&nbsp;substantial and repeated failure by Executive to perform duties of the office held by Executive or as reasonably directed by
the Board, (iii)&nbsp;gross negligence, willful misconduct or breach of fiduciary duty with respect to the Company or any of its respective
Subsidiaries or Affiliates or any of their customers, suppliers, employees or other business relation, (iv)&nbsp;a material failure to
observe policies or standards regarding employment practices (including, without limitation, nondiscrimination, sexual harassment and
alcohol and drug-use policies), in each case, as approved by the Board from time to time, (v)&nbsp;any conduct causing the Company or
any of its Subsidiaries or Affiliates substantial public disgrace or disrepute or substantial economic harm and/or (vi)&nbsp;a material
breach by Executive of this Agreement which, if susceptible of cure, has not been cured within ten business days after notice of the breach
has been delivered to Executive in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Disability</U>&rdquo;
means the disability of Executive caused by any physical or mental injury, illness or incapacity as a result of which Executive is, or
is reasonably expected to be, unable to effectively perform the essential functions of Executive&rsquo;s duties for a continuous period of more
than 90 days or for any 180 days (whether or not continuous) within a 365 day period, as determined by the Board in good faith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Good
Reason</U>&rdquo; means (i)&nbsp;a reduction in Executive&rsquo;s then effective Annual Base Salary (except in connection with a
general reduction of the salaries of the senior executives of the Company or its Subsidiaries and Executive&rsquo;s reduction is 10%
or less), (ii)&nbsp;the Company&rsquo;s failure to timely pay Executive&rsquo;s Annual Base Salary and Eligible Bonus, if any, set
forth in Section&nbsp;3 of this Agreement, (iii)&nbsp;Executive being removed as the Chief Executive Officer of the Company or being
required to report to someone other than the Company&rsquo;s Board of Directors, or (iv)&nbsp;the relocation of Executive&rsquo;s
principal office to a location which is more than 50 miles outside of Minneapolis, Minnesota metropolitan area (provided that,
Executive acknowledges and agrees that Executive will be required to spend as much time as is necessary at the Company&rsquo;s St.
Cloud, Minnesota location (or any successor location) to perform his responsibilities and duties hereunder and such obligation will
not constitute Good Reason for any reason), in each case, without the prior written consent of Executive; <U>provided</U> that, in
order for an event to constitute Good Reason for any purpose hereunder, Executive must, within 30 days after the occurrence of such
event, provide the Board with written notice of Executive&rsquo;s objection to such event, and, even if such notice is timely
delivered, such event shall not constitute Good Reason for any purpose hereunder if substantially all detriment otherwise resulting
to Executive from such action can by cured by appropriate action which the Company causes to be taken within 30 days following the
Board&rsquo;s receipt of Executive&rsquo;s written notice; provided, further, in order for an event to constitute Good Reason for
any purpose hereunder, in the event of the Company&rsquo;s failure to cure such event, Executive must, within 45 days following the
expiration of the Company&rsquo;s 30-day cure period, deliver a written notice to the Company of Executive&rsquo;s resignation,
which resignation shall be effective on the 30th day following the Company&rsquo;s receipt of such notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Person</U>&rdquo; means
an individual, a partnership, a limited liability company, a corporation, an association, a joint stock company, a trust, a joint venture,
an unincorporated organization, investment fund, any other business entity and a governmental entity or any department, agency or political
subdivision thereof</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;<U>Separation</U>&rdquo; means Executive ceasing
to be employed by the Company and its Subsidiaries for any reason (including, without limitation, termination of Executive by any such
Person with or without Cause or the resignation by Executive with or without Good Reason).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
means, with respect to any Person, any corporation, limited liability company, partnership, association, or business entity of which (i)&nbsp;if
a corporation, a majority of the total voting power of shares of stock entitled (without regard to the occurrence of any contingency)
to vote in the election of directors, managers, or trustees thereof is at the time owned or controlled, directly or indirectly, by that
Person or one or more of the other Subsidiaries of that Person or a combination thereof, or (ii)&nbsp;if a limited liability company,
partnership, association, or other business entity (other than a corporation), a majority of partnership or other similar ownership interest
thereof is at the time owned or controlled, directly or indirectly, by that Person or one or more Subsidiaries of that Person or a combination
thereof. For purposes hereof, a Person or Persons shall be deemed to have a majority ownership interest in a limited liability company,
partnership, association, or other business entity (other than a corporation) if such Person or Persons shall be allocated a majority
of limited liability company, partnership, association, or other business entity gains or losses or shall be or control any managing director
or general partner of such limited liability company, partnership, association, or other business entity. For purposes hereof, references
to a &ldquo;<U>Subsidiary</U>&rdquo; of any Person shall be given effect only at such times that such Person has one or more Subsidiaries,
and, unless otherwise indicated, the term &ldquo;<U>Subsidiary</U>&rdquo; refers to a Subsidiary of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">9.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
All notices, demands or other communications to be given or delivered under or by reason of the provisions of this Agreement shall
be in writing and shall be deemed to have been given when (i)&nbsp;delivered personally to the recipient, (ii)&nbsp;sent to the
recipient by reputable express courier service (charges prepaid), (iii)&nbsp;mailed to the recipient by certified or registered
mail, return receipt requested and postage prepaid, or (iv)&nbsp;telecopied to the recipient (with hard copy sent to the recipient
by reputable overnight courier service (charges prepaid) that same day) if telecopied before 5:00 p.m.&nbsp;Eastern Standard Time on
a business day, and otherwise on the next business day. Such notices, demands and other communications shall be sent to the parties
at the addresses indicated below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in"><U>If to Company</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">CL Holdings, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">16 McLeland Road</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">St. Cloud, MN 56303</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.7in; text-align: left">Facsimile:</TD><TD STYLE="text-align: justify">(952) 525-1531</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.7in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">[<FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT>]</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><U>with copies to</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">J.C. Flowers&nbsp;&amp; Co. LLC<BR>
767 Fifth Avenue, 23rd Floor<BR>
New York, NY 10153</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.7in; text-align: left">Facsimile:</TD><TD STYLE="text-align: justify">(212) 404-6898</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.7in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Tom Harding</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.2in">Sally Rocker</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in"><U>If to Executive</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">David Burton</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">11482 Cedar Pass</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Minnetonka, MN 55305<BR>
Facsimile: (952) 525-1531</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">or such other address or to the attention of such other Person as the
recipient party shall have specified by prior written notice to the sending party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">10.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>General
Provisions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">11.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision of this Agreement will be interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect under any applicable law or rule&nbsp;in
any jurisdiction, such invalidity, illegality or unenforceability will not affect any other provision or any other jurisdiction, but this
Agreement will be reformed, construed and enforced in such jurisdiction as if such invalid, illegal or unenforceable provision had never
been contained herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">12.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Complete
Agreement</U>. This Agreement and those documents expressly referred to herein embody the complete agreement and understanding among the
parties and supersede and preempt any prior understandings, agreements or representations by or among the parties, written or oral, which
may have related to the subject matter hereof in any way. This Agreement will take effect automatically upon the Effective Date and at
such time the Prior Agreement automatically will terminate and be superseded by this Agreement; provided, however, that until the Effective
Date, the Prior Agreement will continue to be effective in accordance with its terms; provided, further that if the Merger Agreement is
terminated without consummation of the Merger, this Agreement will automatically terminate and be null and void <I>ab initio.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">13.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Strict Construction</U>. The language used in this Agreement shall be deemed to be the language chosen by the parties hereto to express
their mutual intent, and no rule&nbsp;of strict construction shall be applied against any party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">14.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in separate counterparts (including by means of facsimile), each of which is deemed to be an original and
all of which taken together constitute one and the same agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">15.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Successors
and Assigns</U>. Except as otherwise provided herein, this Agreement shall bind and inure to the benefit of and be enforceable by Executive,
the Company, and their respective successors and assigns; <U>provided</U> that the rights and obligations of Executive under this Agreement
shall not be assigned or delegated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">16.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Choice
of Law</U>. The laws of the State of Minnesota will govern all questions concerning the relative rights of the Executive, Company and its securityholders and all other questions concerning the construction,
validity and interpretation of this Agreement and the exhibits hereto, without giving effect to any choice of law or conflict of law provision
or rule&nbsp;(whether of the State of Minnesota or any other jurisdiction) that would cause the application of the laws of any jurisdiction
other than the State of Minnesota.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">17.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>MEDIATION
TO COURT</U>. EXECUTIVE AND THE COMPANY SPECIFICALLY AND KNOWINGLY AND VOLUNTARILY AGREE TO A MEDIATION CLAUSE SO THAT WITH RESPECT
TO ANY CONTROVERSY, DISPUTE OR CLAIM WHICH HAS ARISEN OR SHOULD ARISE IN CONNECTION WITH EXECUTIVE&rsquo;S EMPLOYMENT, THE CESSATION
OF EMPLOYMENT, OR IN ANY WAY RELATED TO THE TERMS OF THIS AGREEMENT, THE PARTIES AGREE TO PARTICIPATE IN A NON BINDING MEDIATION
PROCESS BRINGING ANY AND ALL SUCH CONTROVERSIES, DISPUTES, AND CLAIMS TO A MEDIATION TO BE ADMINISTERED BY JAMS PURSUANT TO ITS
EMPLOYMENT ARBITRATION RULES&nbsp;&amp; PROCEDURES AND SUBJECT TO JAMS POLICY ON EMPLOYMENT ARBITRATION MINIMUM STANDARDS OF
PROCEDURAL FAIRNESS, BY A MEDIATOR MUTUALLY AGREED TO BY THE PARTIES, AT A JAMS HEARING SITE LOCATED IN NEW YORK, NEW YORK. IN THE
COURSE OF ANY MEDIATION PURSUANT TO THIS AGREEMENT, EXECUTIVE AND THE COMPANY AGREE (I)&nbsp;TO REQUEST THAT A WRITTEN AWARD BE
ISSUED BY THE MEDIATOR IF THERE IS AN ACCEPTABLE MEDIATION, AND (II)&nbsp;THAT EACH SIDE IS ENTITLED TO RECEIVE IN ESSENCE ANY AND
ALL RELIEF IT WOULD BE ENTITLED TO RECEIVE IN A COURT PROCEEDING. THE COMPANY WILL PAY FOR THE COSTS OF THE MEDIATION UP TO $25,000
AND ANY MEDIATION COSTS IN EXCESS OF SUCH AMOUNT SHALL BE BORNE ONE-HALF BY EXECUTIVE AND ONE-HALF BY THE COMPANY. THE PARTIES
KNOWINGLY AND VOLUNTARILY AGREE TO ENTER INTO THIS MEDIATION CLAUSE. IF THE MEDIATION IS UNSUCCESSFUL IN RESOLVING THE DISPUTE, THE
PARTIES AGREE TO SUBMIT TO THE JURISDICTION OF THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA OR THE COURTS OF THE STATE OF NEW
YORK IN EACH CASE LOCATED IN THE CITY OF NEW YORK, NEW YORK, WAIVING HOWEVER ANY AND ALL RIGHTS THAT MIGHT OTHERWISE EXIST TO
REQUEST A JURY TRIAL. IN ANY INSTANCE, EXECUTIVE AGREES THAT THE COMPANY HAS THE RIGHT TO SEEK INJUNCTIVE OR OTHER EQUITABLE RELIEF
FROM A COURT WITH RESPECT TO THE ENFORCEMENT OF THE CONFIDENTIALITY, NON-SOLICITATION, NON-INTERFERENCE AND OTHER RESTRICTIVE
COVENANTS OF THIS AGREEMENT. THIS IS INTENDED TO BE BOTH A POST-DISPUTE AND PRE-DISPUTE MEDIATION CLAUSE AS AN EFFORT TO RESOLVE
DISPUTES PRIOR TO RESORTING TO THE COURTS (OTHER THAN THE INJUNCTIVE RELIEF NOTED ABOVE). THE PARTIES&rsquo; AGREEMENT TO MEDIATE
DISPUTES INCLUDES, BUT IS NOT LIMITED TO, ANY CLAIMS OF UNLAWFUL DISCRIMINATION AND/OR UNLAWFUL HARASSMENT UNDER TITLE VII OF THE
CIVIL RIGHTS ACT OF 1964, THE AGE DISCRIMINATION IN EMPLOYMENT ACT OF 1967, THE AMERICANS WITH DISABILITIES ACT, AND ANY OTHER
FEDERAL, STATE, OR LOCAL LAW RELATING TO DISCRIMINATION IN EMPLOYMENT AND ANY CLAIMS RELATING TO WAGE AND HOUR CLAIMS AND ANY OTHER
STATUTORY OR COMMON LAW CLAIMS TO THE MAXIMUM EXTENT PERMITTED BY LAW.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">18.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Executive&rsquo;s
Cooperation</U>. During the Employment Period and thereafter, Executive shall cooperate with the Company and its Subsidiaries and Affiliates
in any disputes with third parties, internal investigation or administrative, regulatory or judicial proceeding as reasonably requested
by the Company (including, without limitation, Executive being available to the Company upon reasonable notice for interviews and factual
investigations, appearing at the Company&rsquo;s request to give testimony without requiring service of a subpoena or other legal process, volunteering
to the Company all pertinent information and turning over to the Company all relevant documents which are or may come into Executive&rsquo;s
possession, all at times and on schedules that are reasonably consistent with Executive&rsquo;s other permitted activities and commitments).
In the event the Company requires Executive&rsquo;s cooperation in accordance with this paragraph after the Employment Period, the Company shall
reimburse Executive for reasonable travel expenses (including lodging and meals, upon submission of receipts).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">19.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Remedies</U>.
Each of the parties to this Agreement will be entitled to enforce its rights under this Agreement specifically, to recover damages and
costs (including attorney&rsquo;s fees) caused by any breach of any provision of this Agreement and to exercise all other rights existing in
its favor. The parties hereto agree and acknowledge that money damages may not be an adequate remedy for any breach of the provisions
of this Agreement and that any party may in its sole discretion apply to any court of law or equity of competent jurisdiction (without
posting any bond or deposit) for specific performance and/or other injunctive relief in order to enforce or prevent any violations of
the provisions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">20.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment
and Waiver</U>. The provisions of this Agreement may be amended and waived only with the prior written consent of the Company and Executive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">21.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Insurance</U>.
The Company, at its discretion, may apply for and procure in its own name and for its own benefit life and/or disability insurance on
Executive in any amount or amounts considered available. Executive agrees to cooperate in any medical or other examination, supply any
information, and to execute and deliver any applications or other instruments in writing as may be reasonably necessary to obtain and
constitute such insurance. Executive hereby represents that Executive has no reason to believe that Executive&rsquo;s life is not insurable
at rates now prevailing for a healthy person of Executive&rsquo;s age. If the Company or any of its Subsidiaries has a &ldquo;key-man&rdquo; life
insurance policy with respect to Executive at the time of Executive&rsquo;s Separation, if Executive&rsquo;s Separation was as a result of a termination
by the Company without Cause or Executive&rsquo;s resignation with Good Reason, upon Executive&rsquo;s written request, the Company shall (or cause
one of its Subsidiaries to) transfer such policy to Executive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">22.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Business
Days</U>. If any time period for giving notice or taking action hereunder expires on a day which is a Saturday, Sunday or holiday in the
state in which the Company&rsquo;s chief executive office is located, the time period shall be automatically extended to the business day immediately
following such Saturday, Sunday or holiday.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">23.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification
and Reimbursement of Payments on Behalf of Executive</U>. The Company and its Subsidiaries shall be entitled to deduct or withhold from
any amounts owing from the Company or any of its Subsidiaries to Executive any federal, state, local or foreign withholding taxes, excise
taxes, or employment taxes (&ldquo;<U>Taxes</U>&rdquo;) imposed with respect to Executive&rsquo;s compensation or other payments from the Company
or any of its Subsidiaries or Executive&rsquo;s ownership interest in the Company, including, without limitation, wages, bonuses, distributions,
the receipt or exercise of equity options and/or the receipt or vesting of restricted equity. In the event any such deductions or withholdings
are not made, Executive shall indemnify the Company and each of its Subsidiaries for any amounts paid with respect to any such Taxes,
together with any interest, penalties and related expenses thereto. Executive acknowledges and agrees that, other than as set forth herein,
Executive is responsible for paying all taxes and filing all tax returns as a result of Executive being treated as a partner of the Company
for tax purposes so long as Executive owns equity securities of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">24.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Termination</U>.
This Agreement (except for the provisions of <U>Sections 1, 2 and 3</U>) shall survive a Separation and shall remain in full force and
effect after such Separation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">25.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Electronic
Delivery</U>. This Agreement, the agreements referred to herein, and each other agreement or instrument entered into in connection herewith
or therewith or contemplated hereby or thereby, and any amendments hereto or thereto, to the extent signed and delivered by means of a
photographic, photostatic, facsimile or similar reproduction of such signed writing using a facsimile machine or electronic mail shall
be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect
as if it were the original signed version thereof delivered in person. At the request of any party hereto or to any such agreement or
instrument, each other party hereto or thereto shall re-execute original forms thereof and deliver them to all other parties. No party
hereto or to any such agreement or instrument shall raise the use of a facsimile machine or electronic mail to deliver a signature or
the fact that any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or electronic
mail as a defense to the formation or enforceability of a contract and each such party forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Execution Copy</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">IN WITNESS WHEREOF, the parties
hereto have executed this Amended and Restated Senior Management Agreement as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><B>COMPANY:</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 50%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 45%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">CL Holdings, LLC</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">/s/ David Burton</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">Name:</TD>
    <TD STYLE="text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">Its:</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">FMT Services, LLC</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">/s/ David Burton</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">Name:</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">Its:</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><B>EXECUTIVE:</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: left">/s/ David Burton</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">Name: David Burton</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 14 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Exhibit&nbsp;A</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>GENERAL RELEASE</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">I, David Burton, in consideration
of and subject to the performance by CL Holdings, LLC, a Delaware limited liability company and FMT Services, LLC, a Nevada limited liability
company (collectively, the &ldquo;<U>Company</U>&rdquo;), of their obligations under that certain Amended and Restated Senior Management
Agreement, dated as of March&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2018 (the &ldquo;<U>Agreement</U>&rdquo;), do hereby release and
forever discharge as of the date hereof the Company and its subsidiaries and affiliates and all present and former managers, officers,
agents, representatives, employees, successors and assigns of the Company and its affiliates and subsidiaries and the Company&rsquo;s direct
or indirect owners (collectively, the &ldquo;<U>Released Parties</U>&rdquo;) to the extent provided below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in; text-align: left">1.</TD><TD STYLE="text-align: justify">I understand that the Severance Payments made to me under Section&nbsp;4
of the Agreement represents consideration for signing this General Release and are not salary, wages or benefits to which I was already
entitled. I understand and agree that I will not receive the Severance Payments specified in Section&nbsp;4 of the Agreement unless I
execute this General Release and do not revoke this General Release within the time period permitted hereafter or breach this General
Release. Such payments and benefits will not be considered compensation for purposes of any employee benefit plan, program, policy or
arrangement maintained or hereafter established by the Company or their affiliates. I also acknowledge and represent that I have received
all payments and benefits that I am entitled to receive (as of the date hereof) by virtue of any employment by the Company.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in; text-align: left">2.</TD><TD STYLE="text-align: justify">Except as provided in <U>Sections 4 and 5</U> below, and except
for the provisions of the Agreement which expressly survive the termination of my employment with the Company,&nbsp;I knowingly and voluntarily
(for myself, my heirs, executors, administrators and assigns) release and forever discharge the Company and the other Released Parties
from any and all claims, suits, controversies, actions, causes of action, cross-claims, counter-claims, demands, debts, compensatory
damages, liquidated damages, punitive or exemplary damages, other damages, claims for costs and attorneys&rsquo; fees, or liabilities
of any nature whatsoever in law and in equity, both past and present (through the date this General Release becomes effective and enforceable)
and whether known or unknown, suspected, or claimed against the Company or any of the Released Parties which I, my spouse, or any of
my heirs, executors, administrators or assigns, may have, which arise out of or are connected with my employment with, or my separation
or termination from, the Company (including, but not limited to, any allegation, claim or violation, arising under: Title VII of the
Civil Rights Act of 1964, as amended; the Civil Rights Act of 1991; the Age Discrimination in Employment Act of 1967, as amended (including
the Older Workers Benefit Protection Act); the Equal Pay Act of 1963, as amended; the Americans with Disabilities Act of 1990; the Family
and Medical Leave Act of 1993; the Worker Adjustment Retraining and Notification Act; the Employee Retirement Income Security Act of
1974; any applicable Executive Order Programs; the Fair Labor Standards Act; or their state or local counterparts; or under any other
federal, state or local civil or human rights law, or under any other local, state, or federal law, regulation or ordinance; or under
any public policy, contract or tort, or under common law; or arising under any policies, practices or procedures of the Company; or any
claim for wrongful discharge, breach of contract, infliction of emotional distress, defamation; or any claim for costs, fees, or other
expenses, including attorneys&rsquo; fees incurred in these matters) (all of the foregoing collectively referred to herein as the &ldquo;<U>Claims</U>&rdquo;).</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 15 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in; text-align: left">3.</TD><TD STYLE="text-align: justify">I represent that I have made no assignment or transfer of any
right, claim, demand, cause of action, or other matter covered by <U>Section&nbsp;2</U> above.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">I agree that this General Release does not waive or release any rights or claims that I may have (a)&nbsp;under
the Age Discrimination in Employment Act of 1967 which arise after the date I execute this General Release or (b)&nbsp;with regard to
(1)&nbsp;severance payments or benefits pursuant to and subject to the terms of Section&nbsp;4 of the Agreement, (2)&nbsp;rights to any
salary earned but unpaid prior to the termination of my employment or (3)&nbsp;rights to indemnification or coverage under any applicable
article, by-law or insurance policy relating to directors or officers liability insurance or indemnification, subject to the terms and
conditions governing such indemnification or coverage, (4)&nbsp;rights to any vested interest I may have in any 401(k), retirement account
or Company equity, or (5)&nbsp;any other claim which may not be legally released or waived by me. I acknowledge and agree that my separation
from employment with the Company in compliance with the terms of the Agreement shall not serve as the basis for any claim or action (including,
without limitation, any claim under the Age Discrimination in Employment Act of 1967).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD STYLE="text-align: justify">In signing this General Release,&nbsp;I acknowledge and intend that it shall be effective as a bar to
each and every one of the Claims hereinabove mentioned or implied. I expressly consent that this General Release shall be given full force
and effect according to each and all of its express terms and provisions, including those relating to unknown and unsuspected Claims (notwithstanding
any state statute that expressly limits the effectiveness of a general release of unknown, unsuspected and unanticipated Claims), if any,
as well as those relating to any other Claims hereinabove mentioned or implied. I acknowledge and agree that this waiver is an essential
and material term of this General Release and that without such waiver the Company would not have agreed to the terms of the Agreement.
I further agree that in the event I should bring a Claim seeking damages against the Company, this General Release shall serve as a complete
defense to such Claims. I further agree that I am not aware of any pending claim of the type described in <U>Section&nbsp;2</U> as of
the execution of this General Release. I represent that I am not aware of any claim by me other than the claims that are released by this
Agreement. I acknowledge that I may hereafter discover claims or facts in addition to or different than those which I now know or believe
to exist with respect to the subject matter of this General Release and which, if known or suspected at the time of entering into this
General Release, may have materially affected this General Release and my decision to enter into it. Notwithstanding the foregoing,&nbsp;I
further acknowledge that I am not waiving and am not being required to waive any right that cannot be waived by law, including the right
to file a charge or participate in an administrative investigation or proceeding; <I>provided, however, </I>that I hereby disclaim and
waive any right to share or participate in any monetary award resulting from the prosecution of any such charge or investigation.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 16 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.45in">6.</TD><TD STYLE="text-align: justify">I agree that neither this General Release, nor the furnishing of the consideration for this General Release,
shall be deemed or construed at any time to be an admission by the Company, any Released Party or myself of any improper or unlawful conduct.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.45in">7.</TD><TD STYLE="text-align: justify">I understand that my material breach of this Agreement (as determined by a court of competent jurisdiction),
and in particular my violation of any of the restrictions set forth in this Agreement, shall eliminate my entitlement to any payments
under this Agreement, including such payments already received and I shall be required, unless prohibited by applicable law, to immediately
return any such amounts in the event of a breach. My obligations hereunder shall continue in effect notwithstanding any breach by me of
this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.45in">8.</TD><TD STYLE="text-align: justify">I agree that I will not be entitled to or accept any benefit from any claim or proceeding within the scope
of this Agreement that is filed or instigated by me or on my behalf with any agency, court or other government entity. I also agree that
if I violate this General Release by suing the Company or the other Released Parties,&nbsp;I will reimburse the costs and expenses of
defending against the suit incurred by the Released Parties, including reasonable attorneys&rsquo; fees, in the event that the Company or the
other Released Parties prevails in such suit.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.45in">9.</TD><TD STYLE="text-align: justify">I agree that this General Release and the Agreement are confidential and agree not to disclose any information
regarding the terms of this General Release or the Agreement, except to my immediate family and any tax, legal or other counsel I have
consulted regarding the meaning or effect hereof or as required by law, and I will instruct each of the foregoing not to disclose the
same to anyone.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.45in">10.</TD><TD STYLE="text-align: justify">Any non-disclosure provision in this General Release does not prohibit or restrict me (or my attorney)
from responding to any inquiry about this General Release or its underlying facts and circumstances by the Securities and Exchange Commission
(SEC), the National Association of Securities Dealers,&nbsp;Inc. (NASD), any other self-regulatory organization or governmental entity.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in; text-align: left">11.</TD><TD STYLE="text-align: justify">I agree to reasonably cooperate with the Company in any internal
investigation, any administrative, regulatory, or judicial proceeding or any dispute with a third party. I understand and agree that
my cooperation may include, but not be limited to, making myself available to the Company upon reasonable notice for interviews and factual
investigations; appearing at the Company&rsquo;s request to give testimony without requiring service of a subpoena or other legal process;
volunteering to the Company pertinent information; and turning over to the Company all relevant documents which are or may come into
my possession all at times and on schedules that are reasonably consistent with my other permitted activities and commitments. I understand
that in the event the Company asks for my cooperation in accordance with this provision, the Company will reimburse me solely for reasonable
travel expenses, (including lodging and meals), upon my submission of receipts.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 17 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in; text-align: left">12.</TD><TD STYLE="text-align: justify">I agree not to disparage the Company, its past and present investors,
officers, directors or employees or its affiliates and to keep all confidential and proprietary information about the past or present
business affairs of the Company and its affiliates confidential unless a prior written release from the Company is obtained. I further
agree that as of the date hereof,&nbsp;I have returned to the Company any and all property, tangible or intangible, relating to its business,
which I possessed or had control over at any time (including, but not limited to, company-provided credit cards, building or office access
cards, keys, computer equipment, manuals, files, documents, records, software, customer data base and other data) and that I shall not
retain any copies, compilations, extracts, excerpts, summaries or other notes of any such manuals, files, documents, records, software,
customer data vase or other data.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in; text-align: left">13.</TD><TD STYLE="text-align: justify">Notwithstanding anything in this General Release to the contrary,
this General Release shall not relinquish, diminish, or in any way affect any rights or claims arising out of any breach by the Company
or by any Released Party of the Agreement after the date hereof.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in; text-align: left">14.</TD><TD STYLE="text-align: justify">Whenever possible, each provision of this General Release shall
be interpreted in, such manner as to be effective and valid under applicable law, but if any provision of this General Release is held
to be invalid, illegal or unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality
or unenforceability shall not affect any other provision or any other jurisdiction, but this General Release shall be reformed, construed
and enforced in such jurisdiction as if such invalid, illegal or unenforceable provision had never been contained herein.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">BY SIGNING THIS GENERAL RELEASE,&nbsp;I
REPRESENT AND AGREE THAT:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: justify">I HAVE READ IT CAREFULLY;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: justify">I UNDERSTAND ALL OF ITS TERMS AND KNOW THAT I AM GIVING UP IMPORTANT
RIGHTS,&nbsp;INCLUDING BUT NOT LIMITED TO, RIGHTS UNDER THE AGE DISCRIMINATION IN EMPLOYMENT ACT OF 1967, AS AMENDED, TITLE VII OF THE
CIVIL RIGHTS ACT OF 1964, AS AMENDED; THE EQUAL PAY ACT OF 1963, THE AMERICANS WITH DISABILITIES ACT OF 1990; AND THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: justify">I VOLUNTARILY CONSENT TO EVERYTHING IN IT;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(iv)</TD><TD STYLE="text-align: justify">I HAVE BEEN ADVISED TO CONSULT WITH AN ATTORNEY BEFORE EXECUTING
IT AND I HAVE DONE SO OR, AFTER CAREFUL READING AND CONSIDERATION I HAVE CHOSEN NOT TO DO SO OF MY OWN VOLITION;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(v)</TD><TD STYLE="text-align: justify">I HAVE HAD AT LEAST 21 DAYS FROM THE DATE OF MY RECEIPT OF THIS
RELEASE SUBSTANTIALLY IN ITS FINAL FORM&nbsp;ON [<FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT>] TO CONSIDER IT OR,&nbsp;IF I TAKE FEWER THAN 21 DAYS TO REVIEW THIS RELEASE,&nbsp;I
HEREBY WAIVE ANY AND ALL RIGHTS TO THE BALANCE OF THE 21-DAY REVIEW PERIOD;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(vi)</TD><TD STYLE="text-align: justify">I UNDERSTAND THAT I HAVE SEVEN DAYS AFTER THE EXECUTION OF THIS
RELEASE TO REVOKE IT AND THAT THIS RELEASE SHALL NOT BECOME EFFECTIVE OR ENFORCEABLE UNTIL THE REVOCATION PERIOD HAS EXPIRED;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(vii)</TD><TD STYLE="text-align: justify">I HAVE SIGNED THIS GENERAL RELEASE KNOWINGLY AND VOLUNTARILY AND
WITH THE ADVICE OF ANY COUNSEL RETAINED TO ADVISE ME WITH RESPECT TO IT; AND</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left">(viii)</TD><TD STYLE="text-align: justify">I AGREE THAT THE PROVISIONS OF THIS GENERAL RELEASE MAY&nbsp;NOT
BE AMENDED, WAIVED, CHANGED OR MODIFIED EXCEPT BY AN INSTRUMENT IN WRITING SIGNED BY AN AUTHORIZED REPRESENTATIVE OF THE COMPANY AND
BY ME.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="padding-left: 1in; width: 50%">DATE: [<FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT>]</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 50%">&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
  <TD>&nbsp;</TD>
  <TD><B>David Burton</B></TD></TR>
</TABLE>


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<DOCUMENT>
<TYPE>EX-10.12
<SEQUENCE>12
<FILENAME>tm2430355d14_ex10-12.htm
<DESCRIPTION>EXHIBIT 10.12
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&#8239;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.12</B></P>

<P STYLE="margin: 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INDEMNIFICATION
And Advancement AGREEMENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Indemnification and Advancement
Agreement (&ldquo;Agreement&rdquo;) is made as of [&#8239;<FONT STYLE="font-family: Symbol">&middot;</FONT>&#8239;], 20[&#8239;<FONT STYLE="font-family: Symbol">&middot;</FONT>&#8239;] by and between Jefferson Capital,&#8239;Inc.,
a Delaware corporation (the &ldquo;Company&rdquo;), and [&#8239;<FONT STYLE="font-family: Symbol">&middot;</FONT>&#8239;], a member of the Board of Directors or an officer of the
Company (&ldquo;Indemnitee&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>RECITALS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Board of Directors
of the Company (the &ldquo;Board&rdquo;) believes that highly competent persons have become more reluctant to serve publicly-held corporations
as directors, officers, or in other capacities unless they are provided with adequate protection through insurance or adequate indemnification
and advancement of expenses against inordinate risks of claims and actions against them arising out of their service to and activities
on behalf of the corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Board has determined
that, in order to attract and retain qualified individuals, the Company will attempt to maintain on an ongoing basis, at its sole expense,
liability insurance to protect persons serving the Company and/or its subsidiaries from certain liabilities. Although the furnishing of
such insurance has been a customary and widespread practice among United States-based corporations and other business enterprises, the
Company believes that, given current market conditions and trends, such insurance may be available to it in the future only at higher
premiums and with more exclusions. At the same time, directors, officers, and other persons in service to corporations or business enterprises
are being increasingly subjected to expensive and time-consuming litigation relating to, among other things, matters that traditionally
would have been brought only against the Company or business enterprise itself. The Company&rsquo;s Bylaws and Certificate of Incorporation
require indemnification of the officers and directors of the Company. Indemnitee may also be entitled to indemnification pursuant to the
General Corporation Law of the State of Delaware (the &ldquo;DGCL&rdquo;). The Bylaws, the Certificate of Incorporation, and the DGCL
expressly provide that the indemnification provisions set forth therein are not exclusive, and thereby contemplate that contracts may
be entered into between the Company and its directors, officers, and other persons with respect to indemnification and advancement of
expenses;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the uncertainties
relating to such insurance, to indemnification, and to advancement of expenses may increase the difficulty of attracting and retaining
such persons;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Board has determined
that the increased difficulty in attracting and retaining such persons is detrimental to the best interests of the Company and its stockholders
and that the Company should act to assure such persons that there will be increased certainty of such protection in the future;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, it is reasonable,
prudent and necessary for the Company contractually to obligate itself to indemnify, and to advance expenses on behalf of, such persons
to the fullest extent permitted by applicable law so that they will serve or continue to serve the Company free from undue concern that
they will not be so indemnified;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, this Agreement is
a supplement to, and in furtherance of, the Bylaws, the Certificate of Incorporation and any resolutions adopted pursuant thereto, as
well as any rights of Indemnitee under any directors&rsquo; and officers&rsquo; liability insurance policy, and is not a substitute therefor,
and does not diminish or abrogate any rights of Indemnitee thereunder; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS,&#8239;Indemnitee does
not regard the protection available under the Bylaws, the Certificate of Incorporation, and available insurance as adequate in the present
circumstances, and may not be willing to serve or continue to serve as a/an officer/directors without adequate additional protection,
and the Company desires Indemnitee to serve or continue to serve in such capacity. Indemnitee is willing to serve, continue to serve and
to take on additional service for or on behalf of the Company on the condition that Indemnitee be so indemnified and be advanced expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in consideration
of the premises and the covenants contained herein, the Company and Indemnitee do hereby covenant and agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;1.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Services
to the Company.</U> Indemnitee agrees to serve as a/an director/officer of the Company. Indemnitee may at any time and for any reason
resign from such position (subject to any other contractual obligation or any obligation imposed by operation of law). This Agreement
does not create any obligation on the Company to continue Indemnitee in such position and is not an employment contract between the Company
(or any of its subsidiaries or any Enterprise (as defined below)) and Indemnitee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;2.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Definitions.</U>
As used in this Agreement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Affiliate&rdquo;
shall have the meaning set forth in Rule&#8239;405 under the Securities Act of 1933, as amended (as in effect on the date hereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Agent&rdquo;
means any person who is or was a director, officer or employee of the Company or an Enterprise or other person authorized by the Company
or an Enterprise to act for or represent the interests of the Company or an Enterprise, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
 &ldquo;Change in Control&rdquo; occurs upon the earliest to occur after the date of this Agreement of any of the following events:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">i.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Acquisition
of Stock by Third Party. Any Person (as defined below), other than the Sponsor Entities (as defined below), becomes the Beneficial Owner
(as defined below), directly or indirectly, of securities of the Company representing fifteen percent (15%) or more of the combined voting
power of the Company&rsquo;s then outstanding voting securities unless the change in relative beneficial ownership of the Company&rsquo;s
securities by any Person results solely from a reduction in the aggregate number of outstanding shares of securities entitled to vote
generally in the election of directors;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">ii.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Change
in Board of Directors. During any period of two (2)&#8239;consecutive years (not including any period prior to the execution of this Agreement),
individuals who at the beginning of such period constitute the Board, and any new director (other than a director designated by a person
who has entered into an agreement with the Company to effect a transaction described in Sections 2(c)(i), 2(c)(iii)&#8239;or 2(c)(iv)&#8239;of
this Agreement) whose election by the Board or nomination for election by the Company&rsquo;s stockholders was approved by a vote of at
least two-thirds of the directors then still in office who either were directors at the beginning of the period or whose election or nomination
for election was previously so approved, cease for any reason to constitute at least a majority of the members of the Board;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">iii.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Corporate
Transactions. The effective date of a merger or consolidation of the Company with any other entity, other than a merger or consolidation
which would result in the voting securities of the Company outstanding immediately prior to such merger or consolidation continuing to
represent (either by remaining outstanding or by being converted into voting securities of the surviving entity) more than fifty percent
(50%) of the combined voting power of the voting securities of the surviving entity outstanding immediately after such merger or consolidation
and with the power to elect at least a majority of the board of directors or other governing body of such surviving entity;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">iv.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Liquidation.
The approval by the stockholders of the Company of a complete liquidation of the Company or an agreement for the sale or disposition by
the Company of all or substantially all of the Company&rsquo;s assets; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">v.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
Events. There occurs any other event of a nature that would be required to be reported in response to Item 6(e)&#8239;of Schedule 14A of
Regulation 14A (or a response to any similar item on any similar schedule or form) promulgated under the Exchange Act (as defined below),
whether or not the Company is then subject to such reporting requirement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">vi.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Section&#8239;2(c), the following terms have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">1</TD><TD STYLE="text-align: justify">&ldquo;Person&rdquo; has the meaning as set forth in Sections 13(d)&#8239;and 14(d)&#8239;of the Exchange
Act; provided, however, that Person excludes (i)&#8239;the Company, (ii)&#8239;any trustee or other fiduciary holding securities under an
employee benefit plan of the Company, and (iii)&#8239;any entity owned, directly or indirectly, by the stockholders of the Company in substantially
the same proportions as their ownership of stock of the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">2</TD><TD STYLE="text-align: justify">&ldquo;Beneficial Owner&rdquo; has the meaning given to such term in Rule&#8239;13d-3 under the Exchange
Act; provided, however, that Beneficial Owner excludes any Person otherwise becoming a Beneficial Owner by reason of the stockholders
of the Company approving a merger of the Company with another entity.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Corporate
Status&rdquo; describes the status of a person who is or was acting as a director, trustee, partner, managing member, officer, employee,
fiduciary or Agent of the Company or an Enterprise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Disinterested
Director&rdquo; means a director of the Company who is not and was not a party to the Proceeding in respect of which indemnification is
sought by Indemnitee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Enterprise&rdquo;
means any other corporation, limited liability company, partnership, joint venture, trust, employee benefit plan or other entity for which
Indemnitee is or was serving at the request of the Company as a director, officer, employee, fiduciary or Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Exchange
Act&rdquo; means the Securities Exchange Act of 1934, as amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Expenses&rdquo;
<FONT STYLE="text-decoration: underline double">shall be broadly construed and shall include, without limitation, all reasonable costs,
disbursements or expenses incurred in connection with defending, preparing to defend, investigating, being or preparing to be a deponent
or witness in, or otherwise participating in, a Proceeding (including</FONT> all reasonable attorneys&rsquo; fees, retainers, court costs,
mediation fees, transcript costs, fees and other costs of experts and other professionals, witness fees, travel expenses, duplicating
costs, printing and binding costs, telephone charges, postage, delivery service fees, any federal, state, local or foreign taxes imposed
on Indemnitee as a result of the actual or deemed receipt of any payments under this Agreement, excise taxes and penalties under the Employee
Retirement Income Security Act of 1974, as amended, and all other disbursements, obligations, or expenses of the types customarily incurred
in connection with preparing for or participating in a Proceeding. Expenses also include (i)<B>&#8239;</B>expenses incurred in connection
with any appeal resulting from any Proceeding, including without limitation the premium, security for, and other costs relating to any
cost bond, supersedeas bond, or other appeal bond or its equivalent, and (ii)&#8239;for purposes of Section&#8239;14 of this Agreement only,
expenses incurred by Indemnitee in connection with the interpretation, enforcement or defense of Indemnitee&rsquo;s rights under this
Agreement, the Certificate of Incorporation, the Bylaws or under any directors&rsquo; and officer&rsquo;s liability insurance policies
maintained by the Company, by litigation or otherwise. The parties agree that for the purposes of any advancement of Expenses for which
Indemnitee has made written demand to the Company in accordance with this Agreement, all Expenses included in such demand that are certified
by affidavit of Indemnitee&rsquo;s counsel as being reasonable in the good faith judgment of such counsel will be presumed conclusively
to be reasonable. Expenses, however, do not include amounts paid in settlement by Indemnitee or the amount of judgments or fines against
Indemnitee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Independent
Counsel&rdquo; means a law firm, or a member of a law firm, that is experienced in matters of corporation law and neither presently is,
nor in the five years prior to its selection or appointment has been, retained to represent: (i)&#8239;the Company or Indemnitee in any
matter material to either such party (other than with respect to matters concerning the Indemnitee under this Agreement, or of other indemnitees
under similar indemnification agreements) or (ii)&#8239;any other party to the Proceeding giving rise to a claim for indemnification hereunder.
Notwithstanding the foregoing, the term &ldquo;Independent Counsel&rdquo; does not include any person who, under the applicable standards
of professional conduct then prevailing, would have a conflict of interest in representing either the Company or Indemnitee in an action
to determine Indemnitee&rsquo;s rights under this Agreement. The Company agrees to pay the reasonable fees and expenses of the Independent
Counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Proceeding&rdquo;
includes any threatened, pending or completed action, suit, claim, counterclaim, cross claim, arbitration, mediation, alternate dispute
resolution mechanism, investigation, inquiry, administrative hearing, or any other actual, threatened or completed proceeding, whether
brought in the right of the Company or otherwise and whether of a civil, criminal, administrative, legislative, regulatory, or investigative
(formal or informal) nature, including any appeal therefrom, in which Indemnitee was, is, or will be involved as a party, potential party,
non-party witness, or otherwise by reason of Indemnitee&rsquo;s Corporate Status or by reason of any action taken by Indemnitee (or a
failure to take action by Indemnitee) or of any action (or failure to act) on Indemnitee&rsquo;s part while acting pursuant to Indemnitee&rsquo;s
Corporate Status, in each case whether or not serving in such capacity at the time any liability or Expense is incurred for which indemnification,
reimbursement, or advancement of Expenses can be provided under this Agreement. A Proceeding also includes a situation the Indemnitee
believes in good faith may lead to, or culminate in, the institution of a Proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&ldquo;Sponsor
Entities&rdquo; means investment funds affiliated with or managed or advised by J.C. Flowers&#8239;&amp; Co., LLC, a Delaware limited liability
company, or any of its Affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;3.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnity
in Third-Party Proceedings.</U> The Company will indemnify Indemnitee in accordance with the provisions of this Section&#8239;3 if Indemnitee
is, or is threatened to be made, a party to or a participant in any Proceeding, other than a Proceeding by or in the right of the Company
to procure a judgment in its favor. Pursuant to this Section&#8239;3, the Company will indemnify Indemnitee to the fullest extent permitted
by applicable law against all loss and liability suffered, Expenses, judgments, fines and amounts paid in settlement (including all interest,
assessments and other charges paid or payable in connection with, or in respect of, such Expenses, judgments, fines and amounts paid in
settlement) actually and reasonably incurred by Indemnitee or on Indemnitee&rsquo;s behalf in connection with such Proceeding or any claim,
issue, or matter therein, if Indemnitee acted in good faith and in a manner Indemnitee reasonably believed to be in or not opposed to
the best interests of the Company and, in the case of a criminal Proceeding,&#8239;Indemnitee had no reasonable cause to believe that Indemnitee&rsquo;s
conduct was unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;4.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnity
in Proceedings by or in the Right of the Company.</U> The Company will indemnify Indemnitee in accordance with the provisions of this
Section&#8239;4 if Indemnitee is, or is threatened to be made, a party to or a participant in any Proceeding by or in the right of the
Company to procure a judgment in its favor. Pursuant to this Section&#8239;4, the Company will indemnify Indemnitee to the fullest extent
permitted by applicable law against all Expenses actually and reasonably incurred by Indemnitee or on Indemnitee&rsquo;s behalf in connection
with such Proceeding or any claim, issue or matter therein, if Indemnitee acted in good faith and in a manner Indemnitee reasonably believed
to be in, or not opposed to, the best interests of the Company. The Company will not indemnify Indemnitee for Expenses under this Section&#8239;4
related to any claim, issue, or matter in a Proceeding for which Indemnitee has been finally adjudged by a court to be liable to the Company,
unless, and only to the extent that, the Court of Chancery of the State of Delaware (the &ldquo;Delaware Court&rdquo;) or any court in
which the Proceeding was brought determines upon application by Indemnitee that, despite the adjudication of liability but in view of
all the circumstances of the case,&#8239;Indemnitee is fairly and reasonably entitled to indemnification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;5.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification
for Expenses of a Party Who is Wholly or Partly Successful.</U> To the fullest extent permitted by applicable law, the Company will indemnify
Indemnitee against all Expenses actually and reasonably incurred by Indemnitee or on Indemnitee&rsquo;s behalf in connection with any
Proceeding to the extent that Indemnitee is successful, on the merits or otherwise. If Indemnitee is not wholly successful in such Proceeding
but is successful, on the merits or otherwise, as to one or more but less than all claims, issues, or matters in such Proceeding, the
Company will indemnify Indemnitee against all Expenses actually and reasonably incurred by Indemnitee or on Indemnitee&rsquo;s behalf
in connection with or related to each successfully resolved claim, issue or matter to the fullest extent permitted by law. For purposes
of this Section&#8239;5 and without limitation, the termination of any claim, issue, or matter in such a Proceeding by dismissal, with
or without prejudice, will be deemed to be a successful result as to such claim, issue, or matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;6.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification
for Expenses of a Witness.</U> To the fullest extent permitted by applicable law, the Company will indemnify Indemnitee against all Expenses
actually and reasonably incurred by Indemnitee or on Indemnitee&rsquo;s behalf in connection with any Proceeding to which Indemnitee is
not a party but to which Indemnitee is a witness, deponent, interviewee, or otherwise asked to participate or provide information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;7.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Partial
Indemnification.</U> If Indemnitee is entitled under any provision of this Agreement to indemnification by the Company for some or a portion
of Expenses, but not, however, for the total amount thereof, the Company will indemnify Indemnitee for the portion thereof to which Indemnitee
is entitled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;8.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Additional
Indemnification.</U> Notwithstanding any limitation in Sections 3, 4, or 5 of this Agreement, the Company will hold harmless and indemnify
Indemnitee to the fullest extent permitted by applicable law (including but not limited to, the DGCL and any amendments to or replacements
of the DGCL adopted after the date of this Agreement that expand the Company&rsquo;s ability to indemnify its officers, directors, employees
or Agents) if Indemnitee is a party to, or threatened to be made a party to or a participant in, any Proceeding (including a Proceeding
by or in the right of the Company to procure a judgment in its favor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;9.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Exclusions.</U>
Notwithstanding any provision in this Agreement, the Company is not obligated under this Agreement to indemnify Indemnitee for:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
amount actually paid to or on behalf of Indemnitee under any insurance policy or other indemnity provision, except to the extent provided
in Section&#8239;15(b)&#8239;of this Agreement and except with respect to any excess beyond the amount paid under any insurance policy or
other indemnity provision;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;an
accounting of profits made from the purchase and sale (or sale and purchase) by Indemnitee of securities of the Company within the meaning
of Section&#8239;16(b)&#8239;of the Exchange Act or similar provisions of state statutory law or common law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;reimbursement
of the Company by the Indemnitee of any bonus or other incentive-based or equity-based compensation or of any profits realized by the
Indemnitee from the sale of securities of the Company, as required in each case under the Exchange Act (including any such reimbursements
that arise from an accounting restatement of the Company pursuant to Section&#8239;304 of the Sarbanes-Oxley Act of 2002 (the &ldquo;Sarbanes-Oxley
Act&rdquo;), or the payment to the Company of profits arising from the purchase and sale by Indemnitee of securities in violation of Section&#8239;306
of the Sarbanes-Oxley Act);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;reimbursement
of the Company by Indemnitee of any compensation pursuant to any compensation recoupment or clawback policy adopted by the Board or the
compensation committee of the Board, including but not limited to any such policy adopted to comply with stock exchange listing requirements
implementing Section&#8239;10D of the Exchange Act; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
Proceeding initiated by Indemnitee, including any Proceeding (or any part of any Proceeding) initiated by Indemnitee against the Company
or its directors, officers, employees or other indemnitees, unless (i)&#8239;the Proceeding or part of any Proceeding is to enforce Indemnitee&rsquo;s
rights to indemnification or advancement, of Expenses, including a Proceeding (or any part of any Proceeding) initiated pursuant to Section&#8239;14
of this Agreement, (ii)&#8239;the Board authorized the Proceeding (or any part of any Proceeding) prior to its initiation or (iii)&#8239;the
Company provides the indemnification, in its sole discretion, pursuant to the powers vested in the Company under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;10.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Advances
of Expenses.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company will advance, to the extent not prohibited by law, the Expenses incurred by Indemnitee in connection with:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">i.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
Proceeding (or any part of any Proceeding) not initiated by Indemnitee; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">ii.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
Proceeding (or any part of any Proceeding) initiated by Indemnitee if</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: 0">1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
Proceeding or part of any Proceeding is to enforce Indemnitee&rsquo;s rights to obtain indemnification or advancement of Expenses from
the Company or Enterprise, including a proceeding initiated pursuant to Section&#8239;14 of this Agreement, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: 0">2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
Board authorized the Proceeding (or any part of any Proceeding) prior to its initiation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company will advance the Expenses within thirty (30) days after the receipt by the Company of a statement or statements requesting such
advances from time to time, whether prior to or after final disposition of any Proceeding eligible for advancement of expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Advances
will be unsecured and interest free. Indemnitee hereby undertakes to repay any amounts so advanced (without interest) to the extent that
it is ultimately determined by a Delaware Court in a final judgment, not subject to appeal, that Indemnitee is not entitled to be indemnified
by the Company. No other form of undertaking is required by the Indemnitee other than the execution of this Agreement. The Company will
make advances without regard to Indemnitee&rsquo;s ability to repay the Expenses and without regard to Indemnitee&rsquo;s ultimate entitlement
to indemnification under the other provisions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;11.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Procedure
for Notification of Claim for Indemnification or Advancement.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Indemnitee
will notify the Company in writing of any Proceeding with respect to which Indemnitee intends to seek indemnification or advancement of
Expenses hereunder as soon as reasonably practicable following the receipt by Indemnitee of written notice thereof. Indemnitee will include
in the written notification to the Company a description of the nature of the Proceeding and the allegations underlying the Proceeding
and provide such documentation and information as is reasonably requested by the Company and available to Indemnitee and is reasonably
necessary to determine whether and to what extent Indemnitee is entitled to indemnification following the final disposition of such Proceeding.
Indemnitee&rsquo;s failure to so notify the Company will not relieve the Company from any obligation it may have to Indemnitee under this
Agreement, and any delay or defect in so notifying the Company will not constitute a waiver by Indemnitee of any rights under this Agreement.
The Secretary of the Company will, promptly upon receipt of such a request for indemnification or advancement of Expenses hereunder, advise
the Board in writing that Indemnitee has requested indemnification or advancement of Expenses hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company will be entitled to participate in the Proceeding at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;12.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Procedure
Upon Application for Indemnification.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Unless
a Change in Control has occurred, the determination of Indemnitee&rsquo;s entitlement to indemnification will be made:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">i.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;by
a majority vote of the Disinterested Directors, even though less than a quorum of the Board;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">ii.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;by
a committee of Disinterested Directors designated by a majority vote of the Disinterested Directors, even though less than a quorum of
the Board;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">iii.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
there are no such Disinterested Directors or, if such Disinterested Directors so direct, by written opinion provided by Independent Counsel
selected by the Board; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">iv.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
so directed by the Board, by the stockholders of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
a Change in Control has occurred, the determination of Indemnitee&rsquo;s entitlement to indemnification will be made by written opinion
provided by Independent Counsel selected by Indemnitee (unless Indemnitee requests such selection be made by the Board).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
party selecting Independent Counsel pursuant to subsection (a)(iii)&#8239;or (b)&#8239;of this Section&#8239;12 will provide written notice
of the selection to the other party. The notified party may, within ten (10)&#8239;days after receiving written notice of the selection
of Independent Counsel, deliver to the selecting party a written objection to such selection; <U>provided</U>, <U>however</U>, that such
objection may be asserted only on the ground that the Independent Counsel so selected does not meet the requirements of &ldquo;Independent
Counsel&rdquo; as defined in Section&#8239;2 of this Agreement, and the objection will set forth with particularity the factual basis of
such assertion. Absent a proper and timely objection, the person so selected will act as Independent Counsel. If such written objection
is so made and substantiated, the Independent Counsel so selected may not serve as Independent Counsel unless and until such objection
is withdrawn or the Delaware Court has determined that such objection is without merit. If, within thirty (30) days after the later of
submission by Indemnitee of a written request for indemnification pursuant to Section&#8239;11(a)&#8239;of this Agreement and the final
disposition of the Proceeding,&#8239;Independent Counsel has not been selected or, if selected, any objection to such selection has not
been resolved, either the Company or Indemnitee may petition the Delaware Court for resolution of any objection made by the Company or
Indemnitee to the other&rsquo;s selection of Independent Counsel and/or for the appointment as Independent Counsel of a person selected
by such court or by such other person as such court designates. Upon the due commencement of any judicial proceeding or arbitration pursuant
to Section&#8239;14(a)&#8239;of this Agreement,&#8239;Independent Counsel will be discharged and relieved of any further responsibility in
such capacity (subject to the applicable standards of professional conduct then prevailing). The Company agrees to pay the reasonable
fees and expenses of such Independent Counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Indemnitee
will reasonably cooperate with the person, persons or entity making the determination with respect to Indemnitee&rsquo;s entitlement to
indemnification, including providing to such person, persons, or entity following reasonable advance request any documentation or information
which is not privileged or otherwise protected from disclosure and which is reasonably available to Indemnitee and reasonably necessary
to such determination. The Company will advance and pay any Expenses incurred by Indemnitee in so cooperating with the person, persons
or entity making the indemnification determination irrespective of the determination as to Indemnitee&rsquo;s entitlement to indemnification
and the Company hereby indemnifies and agrees to hold Indemnitee harmless therefrom. The Company promptly will advise Indemnitee in writing
of the determination that Indemnitee is or is not entitled to indemnification, including a description of any reason or basis for which
indemnification has been denied and providing a copy of any written opinion provided to the Board by Independent Counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
it is determined that Indemnitee is entitled to indemnification, the Company will make payment to Indemnitee within thirty (30) days after
such determination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;13.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Presumptions
and Effect of Certain Proceedings.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In
making a determination with respect to entitlement to indemnification under this Agreement, the person, persons, or entity making such
determination will, to the fullest extent not prohibited by law, presume Indemnitee is entitled to indemnification under this Agreement
if Indemnitee has submitted a request for indemnification in accordance with Section&#8239;11(a)&#8239;of this Agreement, and the Company
will, to the fullest extent not prohibited by law, have the burden of proof to overcome that presumption. Neither the failure of the Company
(including by its directors or Independent Counsel) to have made a determination prior to the commencement of any action pursuant to this
Agreement that indemnification is proper under the circumstances because Indemnitee has met the applicable standard of conduct, nor an
actual determination by the Company (including by its directors or Independent Counsel) that Indemnitee has not met such applicable standard
of conduct, will be a defense to the action or create a presumption that Indemnitee has not met the applicable standard of conduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
the determination of the Indemnitee&rsquo;s entitlement to indemnification has not been made pursuant to Section&#8239;12 of this Agreement
within sixty (60) days after the later of (i)&#8239;receipt by the Company of Indemnitee&rsquo;s request for indemnification pursuant to
Section&#8239;11(a)&#8239;of this Agreement and (ii)&#8239;the final disposition of the Proceeding for which Indemnitee requested Indemnification
(the &ldquo;Determination Period&rdquo;), the requisite determination of entitlement to indemnification will, to the fullest extent not
prohibited by law, be deemed to have been made and Indemnitee will be entitled to such indemnification absent (i)&#8239;a misstatement
by Indemnitee of a material fact, or an omission of a material fact necessary to make Indemnitee&rsquo;s statement not materially misleading,
in connection with the request for indemnification or (ii)&#8239;a prohibition of such indemnification under applicable law. The Determination
Period may be extended for a reasonable time, not to exceed an additional thirty (30) days, if the person, persons or entity making the
determination with respect to entitlement to indemnification in good faith requires such additional time for the obtaining or evaluating
of documentation and/or information relating thereto; and provided, further, the Determination Period will not apply (i)&#8239;if the determination
of entitlement to indemnification is to be made by the stockholders pursuant to Section&#8239;12(a)(iv)&#8239;of this Agreement and if (A)&#8239;within
fifteen (15) days after receipt by the Company of the request for such determination the Board has resolved to submit such determination
to the stockholders for their consideration at an annual meeting thereof to be held within seventy-five (75) days after such receipt and
such determination is made thereat, or (B)&#8239;a special meeting of stockholders is called within fifteen (15) days after such receipt
for the purpose of making such determination, such meeting is held for such purpose within sixty (60) days after having been so called
and such determination is made thereat, or (ii)&#8239;if the determination of entitlement to indemnification is to be made by Independent
Counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
termination of any Proceeding or of any claim, issue, or matter therein by judgment, order, settlement or conviction, or upon a plea of
<U>nolo contendere</U> or its equivalent, will not (except as otherwise expressly provided in this Agreement) of itself adversely affect
the right of Indemnitee to indemnification or create a presumption that Indemnitee did not act in good faith and in a manner which Indemnitee
reasonably believed to be in or not opposed to the best interests of the Company or, with respect to any criminal Proceeding, that Indemnitee
had reasonable cause to believe that Indemnitee&rsquo;s conduct was unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of any determination of good faith,&#8239;Indemnitee will be deemed to have acted in good faith if Indemnitee acted based on (i)&#8239;the
records or books of account of the Company, its subsidiaries, or an Enterprise, including financial statements, (ii)&#8239;information
supplied to Indemnitee by the directors or officers of the Company, its subsidiaries, or an Enterprise in the course of their duties,
(iii)&#8239;the advice of legal counsel for the Company, its subsidiaries, or an Enterprise or (iv)&#8239;information or records given or
reports made to the Company, its subsidiaries or an Enterprise by an independent certified public accountant or by an appraiser, financial
advisor or other expert selected with reasonable care by or on behalf of the Company, its subsidiaries, or an Enterprise. Further,&#8239;Indemnitee
will be deemed to have acted in a manner &ldquo;not opposed to the best interests of the Company,&rdquo; as referred to in this Agreement
if Indemnitee acted in good faith and in a manner Indemnitee reasonably believed to be in the best interests of the participants and beneficiaries
of an employee benefit plan. The provisions of this Section&#8239;13(d)&#8239;are not exclusive and do not limit in any way the other circumstances
in which the Indemnitee may be deemed to have met the applicable standard of conduct set forth in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
knowledge and/or actions, or failure to act, of any other person affiliated with the Company, a Sponsor Entity or an Enterprise (including,
but not limited to, a director, officer, trustee, partner, managing member, Agent or employee) may not be imputed to Indemnitee for purposes
of determining Indemnitee&rsquo;s right to indemnification under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;14.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Remedies
of Indemnitee.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Indemnitee
may commence litigation against the Company in the Delaware Court to obtain indemnification or advancement of Expenses provided by this
Agreement in the event that (i)&#8239;a determination is made pursuant to Section&#8239;12 of this Agreement that Indemnitee is not entitled
to indemnification under this Agreement, (ii)&#8239;the Company does not timely advance Expenses pursuant to Section&#8239;10 of this Agreement,
(iii)&#8239;the determination of entitlement to indemnification is not made pursuant to Section&#8239;12 of this Agreement within the Determination
Period, (iv)&#8239;the Company does not indemnify Indemnitee pursuant to Section&#8239;5 or 6 or the second to last sentence of Section&#8239;12(d)&#8239;of
this Agreement within thirty (30) days after receipt by the Company of a written request therefor, (v)&#8239;the Company does not indemnify
Indemnitee pursuant to Section&#8239;3, 4, 7, or 8 of this Agreement within thirty (30) days after a determination has been made that Indemnitee
is entitled to indemnification, or (vi)&#8239;in the event that the Company or any other person takes or threatens to take any action to
declare this Agreement void or unenforceable, or institutes any litigation or other action or Proceeding designed to deny, or to recover
from, the Indemnitee the benefits provided or intended to be provided to the Indemnitee hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
a determination is made pursuant to Section&#8239;12 of this Agreement that Indemnitee is not entitled to indemnification, any judicial
proceeding or arbitration commenced pursuant to this Section&#8239;14 will be conducted in all respects as a <I>de novo</I> trial or arbitration
on the merits and Indemnitee may not be prejudiced by reason of that adverse determination. In any judicial proceeding or arbitration
commenced pursuant to this Section&#8239;14 the Company will have the burden of proving Indemnitee is not entitled to indemnification or
advancement of Expenses, as the case may be, and will not introduce evidence of the determination made pursuant to Section&#8239;12 of
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
a determination is made pursuant to Section&#8239;12 of this Agreement that Indemnitee is entitled to indemnification, the Company will
be bound by such determination in any judicial proceeding or arbitration commenced pursuant to this Section&#8239;14 unless (i)&#8239;Indemnitee
made a misstatement of a material fact, or an omission of a material fact necessary to make Indemnitee&rsquo;s statement not materially
misleading, in connection with Indemnitees&rsquo; request for indemnification, or (ii)&#8239;the Company is prohibited from indemnifying
Indemnitee under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company is, to the fullest extent not prohibited by law, precluded from asserting in any judicial proceeding or arbitration commenced
pursuant to this Section&#8239;14 that the procedures and presumptions of this Agreement are not valid, binding, or enforceable and will
stipulate in any such court or before any such arbitrator that the Company is bound by all the provisions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;It
is the intent of the Company that, to the fullest extent permitted by law, the Indemnitee not be required to incur legal fees or other
Expenses associated with the interpretation, enforcement, or defense of Indemnitee&rsquo;s rights under this Agreement, by litigation
or otherwise, because the cost and expense thereof would substantially detract from the benefits intended to be extended to the Indemnitee
under this Agreement. The Company, to the fullest extent permitted by law, will (within thirty (30) days after receipt by the Company
of a written request therefor) advance to Indemnitee such Expenses which are incurred by Indemnitee in connection with a Proceeding concerning
this Agreement,&#8239;Indemnitee&rsquo;s other rights to indemnification or advancement of Expenses from the Company, or concerning any
directors&rsquo; and officers&rsquo; liability insurance policies maintained by the Company, and will indemnify Indemnitee against any
and all such Expenses unless the court or an arbitrator determines that Indemnitee&rsquo;s claims in such Proceeding were made in bad
faith or frivolous, or that the Company is prohibited by law from indemnifying Indemnitee for such Expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;15.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Non-exclusivity;
Survival of Rights; Insurance; Subrogation.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
indemnification and advancement of Expenses provided by this Agreement are not exclusive of any other rights to which Indemnitee may at
any time be entitled under applicable law, the Certificate of Incorporation, the Bylaws, any agreement, a vote of stockholders or Disinterested
Directors, or otherwise. The indemnification and advancement of Expenses provided by this Agreement may not be limited or restricted by
any amendment, alteration or repeal of this Agreement in any way with respect to any action taken or omitted by Indemnitee in Indemnitee&rsquo;s
Corporate Status occurring prior to any amendment, alteration or repeal of this Agreement. To the extent that a change in Delaware law,
whether by statute or judicial decision, permits greater indemnification or advancement of Expenses than would be afforded currently under
the Bylaws, the Certificate of Incorporation, or this Agreement, it is the intent of the parties hereto that Indemnitee enjoy by this
Agreement the greater benefits so afforded by such change. No right or remedy herein conferred is intended to be exclusive of any other
right or remedy, and every other right and remedy is cumulative and in addition to every other right and remedy given hereunder or now
or hereafter existing at law or in equity or otherwise. The assertion or employment of any right or remedy hereunder, or otherwise, will
not prevent the concurrent assertion or employment of any other right or remedy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company hereby acknowledges that Indemnitee may have certain rights to indemnification, advancement of Expenses and/or insurance provided
by one or more other Persons with whom or which Indemnitee may be associated (including, without limitation, any Sponsor Entities). The
relationship between the Company and such other Persons, other than an Enterprise, with respect to Indemnitee&rsquo;s rights to indemnification,
advancement of Expenses, and insurance is described by this subsection, subject to the provisions of subsection (d)&#8239;of this Section&#8239;15
with respect to a Proceeding concerning Indemnitee&rsquo;s Corporate Status with an Enterprise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">i.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company hereby acknowledges and agrees:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">1)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
Company&rsquo;s obligations to Indemnitee are primary and any obligation of any other Persons, other than an Enterprise, are secondary
(i.e., the Company is the indemnitor of first resort) with respect to any request for indemnification or advancement of Expenses made
pursuant to this Agreement concerning any Proceeding;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">2)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
Company is primarily liable for all indemnification or advancement of Expenses obligations for any Proceeding, whether created by law,
the Bylaws, the Certificate of Incorporation, contract (including this Agreement) or otherwise;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">3)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
obligation of any other Persons with whom or which Indemnitee may be associated (including, without limitation, any Sponsor Entities)
to indemnify Indemnitee and/or advance Expenses to Indemnitee in respect of any proceeding are secondary to the Company&rsquo;s obligations;
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">4)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
Company will indemnify Indemnitee and advance Expenses to Indemnitee hereunder to the fullest extent provided herein without regard to
any rights Indemnitee may have against any other Person with whom or which Indemnitee may be associated (including, any Sponsor Entities)
or an insurer of any such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">ii.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
Company irrevocably waives, relinquishes and releases (A)&#8239;any other Person with whom or which Indemnitee may be associated (including,
without limitation, any Sponsor Entities) from any claim of contribution, subrogation, reimbursement, exoneration or indemnification,
or any other recovery of any kind in respect of amounts paid by the Company to Indemnitee pursuant to this Agreement and (B)&#8239;any
right to participate in any claim or remedy of Indemnitee against any Person (including, without limitation, any Sponsor Entities), whether
or not such claim, remedy or right arises in equity or under contract, statute or common law, including, without limitation, the right
to take or receive from any Person (including, without limitation, any Sponsor Entities), directly or indirectly, in cash or other property
or by set-off or in any other manner, payment or security on account of such claim, remedy or right.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">iii.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In
the event any other Person with whom or which Indemnitee may be associated (including, without limitation, any Sponsor Entities) or their
insurers advances or extinguishes any liability or loss for Indemnitee, the payor has a right of subrogation against the Company or its
insurers for all amounts so paid which would otherwise be payable by the Company or its insurers under this Agreement. In no event will
payment by any other Person with whom or which Indemnitee may be associated (including, without limitation, any Sponsor Entities) or their
insurers affect the obligations of the Company hereunder or shift primary liability for the Company&rsquo;s obligation to indemnify or
advance Expenses to any other Person with whom or which Indemnitee may be associated (including, without limitation, any Sponsor Entities).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">iv.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification or advancement of Expenses provided by any other Person with whom or which Indemnitee may be associated (including, without
limitation, any Sponsor Entities) is specifically in excess over the Company&rsquo;s obligation to indemnify and advance Expenses or any
valid and collectible insurance (including but not limited to any malpractice insurance or professional errors and omissions insurance)
provided by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;To
the extent that the Company maintains an insurance policy or policies providing liability insurance for directors, officers, employees,
or Agents of the Company, the Company will obtain a policy or policies covering Indemnitee to the maximum extent of the coverage available
for any such director, officer, employee or Agent under such policy or policies, including coverage in the event the Company does not
or cannot, for any reason, indemnify or advance Expenses to Indemnitee as required by this Agreement. If, at the time of the receipt of
a notice of a claim pursuant to this Agreement, the Company has directors&rsquo; and officers&rsquo; liability insurance in effect, the
Company will give prompt notice of such claim or of the commencement of a Proceeding, as the case may be, to the insurers in accordance
with the procedures set forth in the respective policies. The Company will thereafter take all necessary or desirable action to cause
such insurers to pay, on behalf of Indemnitee, all amounts payable as a result of such Proceeding in accordance with the terms of such
policies. Indemnitee agrees to make reasonable efforts to assist the Company&rsquo;s efforts to cause the insurers to pay such amounts
and will comply with the terms of such policies, including selection of approved panel counsel, if required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company&rsquo;s obligation to indemnify or advance Expenses hereunder to Indemnitee for any Proceeding concerning Indemnitee&rsquo;s Corporate
Status with an Enterprise will be reduced by any amount Indemnitee has actually received as indemnification or advancement of Expenses
from such Enterprise. The Company and Indemnitee intend that any such Enterprise (and its insurers) be the indemnitor of first resort
with respect to indemnification and advancement of Expenses for any Proceeding related to or arising from Indemnitee&rsquo;s Corporate
Status with such Enterprise. The Company&rsquo;s obligation to indemnify and advance Expenses to Indemnitee is secondary to the obligations
the Enterprise or its insurers owe to Indemnitee. Indemnitee agrees to take all reasonably necessary and desirable action to obtain from
an Enterprise indemnification and advancement of Expenses for any Proceeding related to, or arising from,&#8239;Indemnitee&rsquo;s Corporate
Status with such Enterprise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In
the event of any payment made by the Company under this Agreement, the Company will be subrogated to the extent of such payment to all
of the rights of recovery of Indemnitee from any Enterprise or its insurance carrier. Indemnitee will execute all papers required and
take all action necessary to secure such rights, including execution of such documents as are necessary to enable the Company to bring
suit to enforce such rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;16.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Duration
of Agreement.</U> The indemnification and advancement of Expenses rights provided by or granted pursuant to this Agreement (i)&#8239;are
binding upon and be enforceable by the parties hereto and their respective successors and assigns (including any direct or indirect successor
by purchase, merger, consolidation or otherwise to all or substantially all of the business or assets of the Company), (ii)&#8239;continue
as to an Indemnitee who has ceased to be a director, trustee, partner, managing member, officer, employee or Agent of the Company or of
any other Enterprise, and (iii)&#8239;inure to the benefit of Indemnitee and Indemnitee&rsquo;s spouse, assigns, heirs, devisees, executors
and administrators and other legal representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;17.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability.</U>
If any provision or provisions of this Agreement is or are held to be invalid, illegal or unenforceable for any reason whatsoever: (a)&#8239;the
validity, legality and enforceability of the remaining provisions of this Agreement (including without limitation, each portion of any
section of this Agreement containing any such provision held to be invalid, illegal or unenforceable, that is not itself invalid, illegal
or unenforceable) will not in any way be affected or impaired thereby and will remain enforceable to the fullest extent permitted by law;
(b)&#8239;such provision or provisions will be deemed reformed to the extent necessary to conform to applicable law and to give the maximum
effect to the intent of the parties hereto; and (c)&#8239;to the fullest extent possible, the provisions of this Agreement (including,
without limitation, each portion of any section of this Agreement containing any such provision held to be invalid, illegal or unenforceable,
that is not itself invalid, illegal or unenforceable) will be construed so as to give effect to the intent manifested thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;18.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Interpretation</U>.
Any ambiguity in the terms of this Agreement will be resolved in favor of Indemnitee and in a manner to provide the maximum indemnification
and advancement of Expenses permitted by law. The Company and Indemnitee intend that this Agreement provide to the fullest extent permitted
by law for indemnification and advancement of Expenses in excess of that expressly provided, without limitation, by the Certificate of
Incorporation, the Bylaws, vote of the Company&rsquo;s stockholders or Disinterested Directors, or applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;19.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Enforcement.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Company expressly confirms and agrees that it has entered into this Agreement and assumed the obligations imposed on it hereby in order
to induce Indemnitee to serve as a director, officer, employee, or Agent of the Company, and the Company acknowledges that Indemnitee
is relying upon this Agreement in serving or continuing to serve as director, officer, employee, or Agent of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement constitutes the entire agreement between the parties hereto with respect to the subject matter hereof and supersedes all prior
agreements and understandings, oral, written and implied, between the parties hereto with respect to the subject matter hereof; provided,
however, that this Agreement is a supplement to and in furtherance of the Certificate of Incorporation, the Bylaws, any directors&rsquo;
and officers&rsquo; liability insurance maintained by the Company, and applicable law, is not a substitute therefor, and does not diminish
or abrogate any rights of Indemnitee thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;20.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Modification
and Waiver.</U> No supplement, modification or amendment of this Agreement is binding unless executed in writing by the parties hereto.
No waiver of any of the provisions of this Agreement will be valid unless executed in writing by the party entitled to enforce the provision
to be waived and any such waiver will not be deemed to constitute a waiver of any other provisions of this Agreement nor will any waiver
constitute a continuing waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;21.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notice
by Indemnitee.</U> Indemnitee agrees to promptly notify the Company in writing upon being served with any summons, citation, subpoena,
complaint, indictment, information or other document relating to any Proceeding or matter which may be subject to indemnification or advancement
of Expenses covered hereunder. The failure of Indemnitee to so notify the Company does not relieve the Company of any obligation which
it may have to the Indemnitee under this Agreement or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;22.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices.</U> All notices, requests, demands and other communications under this Agreement will
be in writing and will be deemed to have been duly given if (a)&#8239;delivered by hand to the other party, (b)&#8239;sent by
reputable overnight courier to the other party or (c)&#8239;sent by facsimile transmission or electronic mail, with receipt of oral
confirmation that such communication has been received:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
to Indemnitee, at the address indicated on the signature page&#8239;of this Agreement, or such other address as Indemnitee provides to
the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
to the Company to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Name: Jefferson Capital,&#8239;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Address: 600 South Highway 169, Suite&#8239;1575</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in">Minneapolis, Minnesota 55426</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attention: Matthew Pfohl</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email: Matt.Pfohl@jcap.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">or to any other address as may have been furnished to Indemnitee by
the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;23.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Contribution.</U>
To the fullest extent permissible under applicable law, if the indemnification provided for in this Agreement is unavailable to Indemnitee
for any reason whatsoever, the Company, in lieu of indemnifying Indemnitee, will contribute to the amount incurred by Indemnitee, whether
for judgments, fines, penalties, excise taxes, amounts paid or to be paid in settlement and/or for Expenses, in connection with any claim
relating to an indemnifiable event under this Agreement, in such proportion as is deemed fair and reasonable in light of all of the circumstances
of such Proceeding in order to reflect (a)&#8239;the relative benefits received by the Company and Indemnitee as a result of the event(s)&#8239;and/or
transaction(s)&#8239;giving cause to such Proceeding; and/or (b)&#8239;the relative fault of the Company (and its directors, officers, employees
and Agents) and Indemnitee in connection with such event(s)&#8239;and/or transaction(s).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;24.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Applicable
Law and Consent to Jurisdiction.</U> This Agreement and the legal relations among the parties are governed by, and construed and enforced
in accordance with, the laws of the State of Delaware, without regard to its conflict of laws rules. Except with respect to any arbitration
commenced by Indemnitee pursuant to Section&#8239;14(a)&#8239;of this Agreement, the Company and Indemnitee hereby irrevocably and unconditionally
(a)&#8239;agree that any action, claim, or proceeding between the parties arising out of or in connection with this Agreement may be brought
only in the Delaware Court and not in any other state or federal court in the United States of America or any court in any other country,
(b)&#8239;consent to submit to the exclusive jurisdiction of the Delaware Court for purposes of any action, claim, or proceeding arising
out of or in connection with this Agreement, (c)&#8239;waive any objection to the laying of venue of any such action, claim, or proceeding
in the Delaware Court, and (d)&#8239;waive, and agree not to plead or to make, any claim that any such action, claim, or proceeding brought
in the Delaware Court has been brought in an improper or inconvenient forum.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;25.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Identical
Counterparts.</U> This Agreement may be executed in one or more counterparts, each of which will for all purposes be deemed to be an original
but all of which together constitute one and the same Agreement. Counterparts may be delivered via electronic mail (including pdf or any
electronic signature complying with the U.S. federal ESIGN Act of 2000, e.g., www.docusign.com) or other transmission method and any counterpart
so delivered shall be deemed to have been duly and validly delivered and be valid and effective for all purposes. Only one such counterpart
signed by the party against whom enforceability is sought needs to be produced to evidence the existence of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;26.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Third-Party
Beneficiaries.</U> The Sponsor Entities are intended third-party beneficiaries of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&#8239;27.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Headings.</U>
The headings of this Agreement are inserted for convenience only and do not constitute part of this Agreement or affect the construction
thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
have caused this Agreement to be signed as of the day and year first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">JEFFERSON CAPITAL,&#8239;INC.</FONT></TD>
    <TD>&#8239;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INDEMNITEE</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&#8239;</TD>
    <TD>&#8239;</TD>
    <TD COLSPAN="2">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&#8239;</TD>
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Office:</FONT></TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Address:</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&#8239;</TD></TR>
  <TR>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 42%">&#8239;</TD>
    <TD STYLE="width: 5%">&#8239;</TD>
    <TD STYLE="width: 5%">&#8239;</TD>
    <TD STYLE="width: 45%">&#8239;</TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>13
<FILENAME>tm2430355d14_ex21-1.htm
<DESCRIPTION>EXHIBIT 21.1
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 21.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>List of Subsidiaries of Jefferson Capital,&nbsp;Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 50%; text-align: left">Legal Name</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 50%; text-align: left">Jurisdiction of Incorporation</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">JCAP Topco, LLC</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Delaware</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Jefferson Capital Holdings, LLC</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Delaware</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">JCAP Intermediate, LLC</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Delaware</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">CL Holdings, LLC</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Georgia</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Jefferson Capital Systems, LLC</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Georgia</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">CFG Canada Funding, LLC</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Delaware</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Canaccede U.S. Holdings, LLC</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Delaware</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>14
<FILENAME>tm2430355d14_ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit&nbsp;23.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We consent to the use in this Registration
Statement (No. 333-287488) on Form&nbsp;S-1 of our report dated May&nbsp;5, 2025, relating to the financial statements
of Jefferson Capital,&nbsp;Inc. We also consent to the reference to us under the headings &ldquo;Experts&rdquo; in such Registration
Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">/s/ Deloitte &amp; Touche LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">New York, NY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">June 13, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.3
<SEQUENCE>15
<FILENAME>tm2430355d14_ex23-3.htm
<DESCRIPTION>EXHIBIT 23.3
<TEXT>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: right"><B>Exhibit&nbsp;23.3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We consent to the use in this Registration
Statement (No. 333-287488) on Form&nbsp;S-1 of our report dated May&nbsp;5, 2025, relating to the consolidated
financial statements of Jefferson Capital Holdings, LLC and subsidiaries. We also consent to the reference to us under the headings
 &ldquo;Experts&rdquo; in such Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">/s/ Deloitte &amp; Touche LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">New York, NY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">June 13, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>16
<FILENAME>tm2430355d14_ex-filingfees.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><B>Exhibit&nbsp;107</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>C<FONT STYLE="font-size: 10pt">alculation</FONT>&nbsp;<FONT STYLE="font-size: 10pt">of</FONT>
F<FONT STYLE="font-size: 10pt">iling</FONT> F<FONT STYLE="font-size: 10pt">ee</FONT> T<FONT STYLE="font-size: 10pt">ables</FONT></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">FORM&nbsp;S-1&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">(Form&nbsp;Type)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-variant: small-caps">Jefferson
Capital,&nbsp;I<FONT STYLE="font-size: 10pt">nc</FONT>.</FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">(Exact Name of Registrant
as Specified in its Charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><U>Table 1: Newly Registered
Securities</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-right: 1.25pt; padding-left: 1.25pt; width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 1.25pt; padding-left: 1.25pt; width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 1.25pt; padding-left: 1.25pt; width: 15%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 1.25pt; padding-left: 1.25pt; width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 1%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 12%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 1%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 1%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt; width: 12%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: bottom; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Security
    Type</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: bottom; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Security
    Class Title</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: bottom; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Fee
    Calculation Rule</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Amount</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Registered</B></P></TD>
    <TD STYLE="padding: 1.5pt 1.25pt; vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Proposed</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Maximum Offering Price</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Per Unit</B></P></TD>
    <TD STYLE="padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: bottom; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 1.25pt; vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Maximum</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Aggregate</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Offering Price(1)</B></P></TD>
    <TD STYLE="padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: bottom; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 1.25pt; vertical-align: bottom; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Fee Rate</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: bottom; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 1.25pt; vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Amount of</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Registration Fee</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">Fees to be Paid</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-right-width: 0in; border-right-color: Black; border-left-width: 0in; border-left-color: Black">Equity</P></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-left-width: 0in; border-left-color: Black">Common stock, $0.0001
    par value per share</P></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-right-width: 0in; border-right-color: Black; border-left-width: 0in; border-left-color: Black">Rule&nbsp;457(a)</P></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">11,500,000</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$17.00</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$195,500,000<B>(2)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">0.00015310</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$29,931.05</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">Fees Previously Paid</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-right-width: 0in; border-right-color: Black; border-left-width: 0in; border-left-color: Black">Equity</P></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-left-width: 0in; border-left-color: Black">Common stock, $0.0001
    par value per share</P></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-right-width: 0in; border-right-color: Black; border-left-width: 0in; border-left-color: Black">Rule&nbsp;457(o)</P></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$100,000,000<B>(3)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">0.00015310</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$15,310.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5pt; border-left-width: 0in; border-left-color: Black"><B>Total
    Offering Amounts</B></P></TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 8.6pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: top; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$195,500,000</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: top; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.4pt; vertical-align: top; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$29,931.05</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5pt; border-left-width: 0in; border-left-color: Black"><B>Total
    Fees Previously Paid</B></P></TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 8.6pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$15,310.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5pt; border-left-width: 0in; border-left-color: Black"><B>Total
    Fee Offsets</B></P></TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 8.6pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">-</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5pt; border-left-width: 0in; border-left-color: Black"><B>Net
    Fee Due</B></P></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 8.6pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.25pt; padding-left: 1.4pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 1.25pt; vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">$14,621.05</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; background-color: white">(1)Includes
the aggregate offering price of additional shares that the underwriters have the option to purchase to cover over-allotments, if any.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; background-color: white">(2)Estimated
solely for the purpose of computing the amount of the registration fee pursuant to Rule&nbsp;457(a)&nbsp;under the Securities Act of
1933, as amended.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; background-color: white">(3)Estimated
solely for the purpose of computing the amount of the registration fee pursuant to Rule&nbsp;457(o)&nbsp;under the Securities Act of 1933,
as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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